DE Insurance

[larrybard]

Darren wrote:

I don't think any regular insurers cover DE anymore.

I have some modest experience with this, having switched to AIG about 3 years ago in order to take advantage of the fact that their policy DID cover DE. Unfortunately, they subsequently joined the vast majority of insurers, revising their form of policy to exclude DE, so at renewal time I found myself without coverage again. However, a few months ago I did a bit of research, examining Company X's actual policy language, and was satisfied that this particular insurer's policies still covered DE. Inasmuch as I found that out after I had already just renewed with my former company (Chubb), I didn't bother switching (and, fortunately, survived WGI, Thunderbolt, etc. without any damage), but next year I expect to switch, after I determine that the favorable language is still in Company X's policies.

So I can say with some confidence that as of a few months ago DE coverage was still provided by at least one insurer's standard policies.