How does the ISO Homeowners program handle contents in self-storage? How does it insure a home owned by a trust? How does it cover lawsuits arising out of Facebook posts? Does it cover damage to a home the insured does not live in? What new tools does it give underwriters grappling with hurricanes, tornados and hail? What if the insured wants to go green after a loss? And what options does an insured have for a refrigerator that quits?