Property insurance coverage when the insured is careless: UK vs. US

The gradual transition and development of the common law by courts in the United Kingdom and in the United States has caused certain areas of the common law of insurance to drift apart and to become significantly different in the two countries. This article explores when, why, and how the common law of insurance that was once the same in both countries has become different when applying the standard of reasonable care with which the insured is required to comply when caring for his own property.