Members can visit eoguardian. com for access to an assortment of downloadable coverage checklists. •
Similarly, agents should inquire whether family members reside in assisted living facilities, nursing homes, or college housing. Personal property and liability concerns can extend beyond the insured residence.
REVIEW RECREATIONAL AND EMERGING EXPOSURES
Many homeowners now own recreational vehicles, golf carts, ATVs, utility vehicles, drones, electric bicycles, 3D printers, and various motorized devices. These exposures often fall into coverage gray areas that clients do not understand.
The rapid growth of electric bicycles and motorized scooters is a prime example. Depending on policy language and endorsements, liability coverage may be restricted or excluded for certain incidents involving these devices. Agents should not assume the homeowners policy automatically provides protection. Bidirectional charging from vehicle to home is another emerging issue.
leave clients inadequately protected.
Depending on the exposure, solutions may include home-sharing endorsements, dwelling programs, landlord policies, or specialty short-term rental coverage.
A simple question regarding rental activities can uncover a significant coverage gap.
USING EXPOSURE CHECKLISTS AS AN E & O RISK MANAGEMENT TOOL
Risk reviews are not solely about exposures, coverage and exclusions. They are about sharing your knowledge, building deeper relationships with customers, and strengthening protection. It also helps agencies create a documented record of the discussions that took place. They are also a great training tool for newer agency personal lines employees.
Members can visit eoguardian. com for access to an assortment of downloadable coverage checklists. •
Drones present another growing concern. Personal use may be treated differently than business use, making it important to understand exactly how the equipment is being operated.
As technology evolves, these conversations become increasingly important.
DISCUSS HOME-SHARING AND RENTAL ACTIVITIES
The rise of short-term rental platforms has created new challenges for personal lines agents. Some homeowners rent a room occasionally. Others rent an entire home several weekends each year. Many do not view these activities as a business and fail to disclose them.
However, home-sharing can significantly affect both property and liability exposures. Standard homeowners policies may contain limitations that
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