Here's a composite of THREE questions received by our "Ask an Expert" service in the past month: "Is there any coverage under the HO3 for a piece of furniture/washer/television (or any other personal property) that an insured is hauling in the back of a pickup and it gets damaged from falling out of the pickup?" In two of the three scenarios (washer and TV), the insurer denied the claim under the HO3.

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