homeowners insurance forms and endorsements

Since HO-2 protections are optional, adding or removing them from your coverage will change your premium. * As an informational resource for consumers, the Nevada Division of Insurance offers on this Web page free, downloadable copies of home insurance policy forms and mandatory amendatory endorsements offered by the 10 largest insurance groups writing home insurance in Nevada. The five homeowners package forms offered to owners of single family owner occupied homes are HO-1, HO-2, HO-3, HO-3 with HO-15 and HO-8. Disclosure of Asbestos Exclusion. homeowners insurance texas, texas homeowners insurance compare, homeowners insurance endorsement codes, aaa texas homeowners insurance, texas homeowners insurance laws, homeowners endorsement list, homeowners insurance forms and endorsements, endorsement homeowner policy Mount Everest, lakes like Mango aircraft taken lightly or frequented places of websites, do next best … An insurance endorsement is an amendment to a property and casualty insurance policy. Since not all of the homeowners insurance forms are required or necessary, it is important that you understand what your options are. This form offers protection above and beyond what is covered by HO-1 and HO-2. That’s why we offer many homeowners insurance options, to protect your property and the memories inside. HO-3: The HO-3 is a very popular homeowner’s insurance policy and protects against all perils except those specifically excluded. This homeowners insurance form says that it provides “all risk” coverage for your home when in fact it has limitations and exclusions such as flooding. Get to know these endorsements, they … Insurance companies will often use endorsements as a means of limiting coverage provided by one of the homeowners insurance forms. This is not a full list of coverage options—there are many optional homeowners insurance endorsements that can add coverage beyond the basic homeowners insurance policy. The HO-3, also known as a "special form," is the most common homeowners insurance policy form, says the National Association of Insurance Commissioners. When searching for a certain endorsement, ... WHO 501 Cyber Protection Insurance View WHO 501 ... WHO 01 05 Homeowners 5 Amendatory Endorsement View WHO 01 05 HO 0435 Homeowners Loss Assess Ea. Check out our Home Insurance coverage options: Property protection – This coverage offers protection from storms, fire, lightning, equipment or structural … Plus, save money when you have both a home and car insurance policy with State Farm. You are not covered if you didn’t keep your house above freezing because you didn’t want to pay for heat while you were away. Unfortunately, these definitions are often ignored by policyholders because they recognize the words and believe their everyday definitions apply, which they don’t. Sign In Now All Rights Reserved. We offer a range of home insurance policies to cover you in the event of theft, water backup, personal injury and other types of losses. Endorsement Definition Endorsement — an insurance policy form that either changes or adds to the provisions included in one or more other forms used to construct the policy, such as the declarations page or the coverage form. How High Should Your Insurance Deductible Be? Already have an account? In addition to the basic coverages offered in the homeowners policies, you can buy other coverages by adding endorsements to your existing policy. The policies and endorsements of the companies listed below make up a large percentage of the market share for homeowners insurance … Allstate has a number of tools to make finding a specific document regarding your insurance policy quick and easy. HO-3. These policies are chock full of insurance speak. Standard homeowners insurance policies are specific in the types of coverage they extend, and how much belongings are insured for. Homeowner’s insurance claims that involve a personal injury can get expensive quickly. United States, © 2018 All Rights Reserved. Learn more about what a home insurance endorsement is. In addition to informing claim representatives about the fundamentals of homeowners insurance, the course provides insurance agents and brokers an overview of the ISO homeowners program and how to address homeowners claims. Texas Insurance Code Articles 5.35, 5.96, and 5.98 authorize the action taken by the Commissioner. However, liability for defamation, libel, slander, wrongful eviction, and false arrest are excluded from most every homeowners insurance policy. This leads to gaps in coverage, and insufficient value insured. A home insurance endorsement is an add-on to your home, renters or condo insurance policy. State insurance departments require that homeowners policies include a definitions page. 4 Homeowners Insurance Homeowners basics Homeowners insurance protects you from the unexpected burden of paying to rebuild your home should disaster strike. TFPA Homeowners Policy TFPA Tenant Policy. It’s important to remember that homeowners insurance can provide benefits for many other things. POLICY FORMS AND ENDORSEMENTS FOR FLORIDA ... HO 00 03 04 91 Homeowners 3 Special Form HO 00 04 04 91 ... Universal Property & Casualty Insurance Company 1110 W. Commercial Blvd., Suite 100 Fort Lauderdale, FL 33309 Endorsements and floaters are two ways policyholders can address homeowners insurance limits and exclusions that might leave them vulnerable. The Credit Solution Program | Disclaimer | Privacy Policy | Terms of Use | Disclosure. For example, freezing pipes are covered if you lose heat because a fire damaged your furnace. These policy forms insure your home and belongings against at least 11 named perils. To be able to effectively use your insurance coverage, it is important that understand every part of it. Why not just make it a part of the HO-3 rather than a separate form? These policy forms insure your home and belongings against at least 11 named perils. Home; Forms; 2016-6; TIRSA Co-Insurance Endorsement 7.2015 ; Forms. Forms & Documents. It provides the same protections as HO-2 or HO-3 if you are a renter regardless of whether it is a house or apartment. It’s an agency standard requirement because we feel it’s that important. Start studying Assignment 7 - Homeowners Liability, Conditions, Coverage Forms, and Endorsements. If you cannot find a form listed here, please let us know and we will provide it to you. We not only cover your home, but also you, your family and your personal belongings. explosion; riots and civil commotion; aircraft; vehic… Why Homeowner’s Insurance? … Learn vocabulary, terms, and more with flashcards, games, and other study tools. For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected]. The HO in HO Forms stands for homeowners and each describes specific protections for your home. As time allows we will link to the forms we have in the system. Insurance policies are written for the broadest market possible. Standard homeowners insurance policies are specific in the types of coverage they extend, and how much belongings are insured for. It protects you from all risks that are not specifically excluded. An endorsement is a change added to an insurance policy which modifies the original terms. With this product, you buy the add-ons and your insurance company will reimburse you according to the raised limits. They provide current information on changes in policy forms and coverages, and the instructors provide a wealth of real-life examples of the loss exposures faced by homeowner clients. The Vermont Mutual Homeowners Broadening Endorsements bring together a host of supplementary coverages that add up to greater personalized protection and savings for the policyholder when compared to purchasing separately. Insurance endorsements are used on property and casualty insurance. Personal Risk Management and Insurance is the most comprehensive source of information and competitive strategies for homeowners, personal auto, and numerous other personal lines insurance policies. Most standard home insurance policies offer protection for your personal property, but it tends to exclude items that are very valuable or out of the ordinary. A home insurance endorsement from The Hartford helps protect valuables like wedding rings, jewelry, antiques, china, silver or furniture. The use of non-approved automobile insurance endorsements is an offence under the Insurance Act and is subject to prosecution or an administrative penalty. The HO in HO Forms stands for homeowners and each describes specific protections for your home. ISO Form Number. A home insurance endorsement from The Hartford helps protect valuables like wedding rings, jewelry, antiques, china, silver or furniture. Keep in mind that from state to state, coverages can vary even even within the same form. Real-life claims and loss examples are used throughout to help you fully understand … Our automatic Inflation Guard protection keeps the dwelling coverage current and provides dwelling limits up to $875,000 on subsequent renewals. The endorsement page may also add optional coverage, usually for an additional premium which you may not want or need. The more … Article 5.96 allows the Commissioner to, among other things, promulgate, adopt, or An endorsement is any change to your home insurance policy: typically the addition or removal of coverage.An endorsement is sometimes called a rider or a floater. This is one of the most popular optional homeowners insurance forms and one of the most commonly misunderstood. This practitioner's reference annotates the latest ISO policies and all of the countrywide endorsements. Beats me! Homeowners Insurance Forms: HO-3, HO-1, HO-2, HO-8. If you own a single family home, there are seven homeowners insurance forms that can be a part of your policy. Misunderstanding one or more of them can result in your not being protected when you think you are. Insurance endorsements can be standard, which means they are published by an industry advisory organization, or non-standard, which means they are developed by insurers. Any part with limitations can be improved using an endorsement. Valuable items like art and jewelry may be worth more than the coverage limits in a standard policy, so these items may have endorsements that better reflect their value. This endorsement brings the promise of all risk coverage a step closer to reality. Popularly referred to as condominium insurance it provides similar protections to the homeowners insurance forms HO-2 or HO-3. Discusses the impact of the cross suits exclusion in excluding all inter-company suits. It will allow you to improve certain limitations of your insurance policy. This form may still be called HO-5 in some states. You may have seen them on your home, auto and other personal policies. Sec. TFPA Homeowners Policy TFPA Tenant Policy. Accidental discharge or the overflow of water from plumbing or related systems. If you think you need more coverage, tell your agent. Disclosure of Asbestos Exclusion. Forms By Location ... CO-INSURANCE ENDORSEMENT . HO 00 06 (04 91) Homeowners 6 Unit-Owners Form The named exclusions on this form include; flooding, war and nuclear accidents, along with other natural and man made disasters. A common example with homeowner's insurance is including endorsements for specific items. What does homeowners insurance cover? The more perils your policy covers, the more you will pay for the policy. This form is a part of all homeonwers policies and is considered basic homeowners insurance. You have made significant financial investments in your home and personal property and similarly, we are dedicated to offering you the highest level of financial security. This homeowners insurance form does not apply to single family homeowners and is commonly referred to as renter’s insurance. Home Insurance. Sump pumps are expressly excluded from this coverage. By adding this homeowners endorsement, you add these important coverages back. Walnut Creek, CA 94596 It only exists as an endorsement to an HO-3. Common Endorsements. Get a quote. The most common perils covered by an HO-1 form are fire and lightning, windstorms and hail, smoke and theft. Homeowners and renters insurance can help you recover from damage, loss, and liability related to your dwelling. Endorsements: HO-140 – Windstorm and Hail Exclusion Agreement HO-382 – Condominium Loss Assessment Coverage HO-400 – Sudden and Accidental Discharge, Eruption, Overflow or Release of Water or Steam Policy Forms Used by the 10 Largest Homeowners' Insurance Groups in Oklahoma As an informational resource for consumers, the Oklahoma Insurance Department offers on this Web page, downloadable copies of homeowners’ insurance policy forms and mandatory amendatory endorsements offered by the 10 largest insurance groups writing homeowners’ insurance in Oklahoma. Sudden and accidental rupture of your heating, air conditioning, hot water heater or fire sprinkler system. ISO HOMEOWNERS FORMS LIST: This list provides the homeowner forms by name and number, and the states in which they apply. Common Homeowner Policy Endorsements. It covers both your house and your belongings from loss or damage from these 11 named perils: Some insurers offer form HO-2 in place of HO-1 because it covers the same 11 perils plus six additional ones. The reason is many older homes would cost far more to replace or restore to their original condition than comparable newer homes. This policy protects only the contents rather than the structure. ISO’s most recent BAP multistate filing includes 19 NEW endorsements. HO 00 03 (04 91) Homeowners 3 Special Form . The homeowners insurance forms are uniform from state to state and company to company and can be modified by the endorsements page. Other insurers issue policies with both HO-1 and the optional HO-2 in place. The homeowners insurance forms are uniform from state to state and company to company and can be modified by the endorsements page. This can be in the form or adding or removing coverage for specific risks or damages. Insurance companies will often use endorsements as a means of limiting coverage provided by one of the homeowners insurance forms. Talk to your home insurance agent about getting a flood policy from the National Flood Insurance Program. Frank Addessi has been a serial entrepreneur and a licensed insurance agent for more than 20 years. A home is the single biggest investment most individuals will ever make; it is typically the largest asset on the family “balance sheet.” Also, the contents of a typical home, in the form of furniture, appliances, clothing, family heirlooms, and other movable personal belongings, represent a substantial additional investment. Endorsements and floaters are two ways policyholders can address homeowners insurance limits and exclusions that might leave them vulnerable. Some home policies provide a limited amount of coverage for mold claims. His work has appeared on websites such as Smart Asset and The Simple Dollar. Homeowners Insurance. An endorsement (aka rider) is a written modification that either adds to or deletes 1 or more provisions of the general policy to serve particular needs. Copyright © 2021 ALM Media Properties, LLC. If you know you’ve got a few items that need protection, adding this endorsement might be necessary so … If you own a single family home, there are seven homeowners insurance forms that can be a part of your policy. Inflation Guard Endorsement As time allows we will link to the forms we have in the system. Endorsements: HO-140 – Windstorm and Hail Exclusion Agreement HO-382 – Condominium Loss Assessment Coverage HO-400 – Sudden and Accidental Discharge, Eruption, Overflow or Release of Water or Steam The endorsements page of a homeowners policy can change what is said elsewhere in the policy. Standard homeowners policies do not cover flooding, earthquakes or poor maintenance. Save my name, email, and website in this browser for the next time I comment. The HO in HO Forms stands for homeowners and each describes specific protections for your home. Compare prices of homeowners insurance from 1990 North California Blvd, Suite 830 Homeowners Insurance protects you and your loved ones. By accepting an endorsement you may be limiting your coverage regardless of what is said elsewhere in the policy. They include the four parts of every insurance policy, plus definitions, endorsements and a bunch of “HO Forms,” or homeowners insurance forms. REGULATION OF POLICY FORMS AND ENDORSEMENTS. We've provided forms and other resources below to guide you during your loss recovery. homeowners insurance texas, texas homeowners insurance compare, homeowners insurance endorsement codes, aaa texas homeowners insurance, texas homeowners insurance laws, homeowners endorsement list, homeowners insurance forms and endorsements, endorsement homeowner policy Mount Everest, lakes like Mango aircraft taken lightly or frequented places of websites, do next best … and Edition Date Form Title . Aegis General provides top-tier homeowners insurance — HO3 & HO5 policy forms for primary residences with dwelling limits up to $800,000 at policy inception. AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, AK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, MT, NC, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, WI, TRANSITION ENDORSEMENT FOR HO 00 02, HOMEOWNERS 2 – BROAD FORM, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, TRANSITION ENDORSEMENT FOR HO 00 03, HOMEOWNERS 3 – SPECIAL FORM, TRANSITION ENDORSEMENT FOR HO 00 04, HOMEOWNERS 4 – CONTENTS BROAD FORM, TRANSITION ENDORSEMENT FOR HO 00 05, HOMEOWNERS 5 – COMPREHENSIVE FORM, TRANSITION ENDORSEMENT FOR HO 00 06, HOMEOWNERS 6 – UNIT-OWNERS FORM, TRANSITION ENDORSEMENT FOR HO 00 08, HOMEOWNERS 8 – MODIFIED COVERAGE FORM, AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, ADDITIONAL INTERESTS – RESIDENCE PREMISES, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, ADDITIONAL LIMITS OF LIABILITY FOR COVERAGES A, B, C AND D, AK, AL, AZ, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, SECTIONS I AND II EXCLUSIONS FOR COMPUTER-RELATED DAMAGE OR INJURY, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WA, WI, WV, WY, SECTION II – LIMITED COVERAGE FOR YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMS, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A – DWELLING, AK, AL, AZ, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WY, LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE, AL, AZ, CA, CO, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY, LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH ALL FORMS EXCEPT HO 00 03 AND HO 00 05, LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORMS HO 00 03 AND HO 00 05, AL, AZ, CA, CO, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY, LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORM HO 00 04 WITH HO 05 24 AND FORM HO 00 06 WITH HO 17 31 OR HO 17 32, AK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, NC, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI, LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORM HO 00 03, LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORM HO 00 03 WITH HO 00 15 AND FORM HO 00 06 WITH HO 17 31 OR HO 17 32, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, STRUCTURES RENTED TO OTHERS – RESIDENCE PREMISES, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, PERMITTED INCIDENTAL OCCUPANCIES – RESIDENCE PREMISES, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, REPLACEMENT COST LOSS SETTLEMENT FOR CERTAIN NON-BUILDING STRUCTURES ON THE RESIDENCE PREMISES, AK, AL, AR, AZ, CO, CT, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, OTHER STRUCTURES ON THE RESIDENCE PREMISES – INCREASED LIMITS, BUILDING ADDITIONS AND ALTERATIONS – OTHER RESIDENCE, INCREASED AMOUNT OF INSURANCE FOR PERSONAL PROPERTY AT OTHER RESIDENCES, PERSONAL PROPERTY AT OTHER RESIDENCES – INCREASED LIMIT, INCREASED LIMIT ON PERSONAL PROPERTY IN OTHER RESIDENCES, BUILDING ADDITIONS AND ALTERATIONS – INCREASED LIMIT, BUILDING ADDITIONS AND ALTERATIONS INCREASED LIMIT – FORM HO 00 04, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, CREDIT CARD, ELECTRONIC FUND TRANSFER CARD OR ACCESS DEVICE, FORGERY AND COUNTERFEIT MONEY COVERAGE – INCREASED LIMIT, CREDIT CARD, FUND TRANSFER CARD, FORGERY AND COUNTERFEIT MONEY COVERAGE – INCREASED LIMIT, AK, AL, AR, AZ, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CO, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CO, CT, DC, DE, GU, IA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CA, CT, DC, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, SCHEDULED PERSONAL PROPERTY ENDORSEMENT (WITH AGREED VALUE LOSS SETTLEMENT), AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, SCHEDULED PERSONAL PROPERTY ENDORSEMENT (COPY OF PAGE 1 OF HO 04 61), SCHEDULED PERSONAL PROPERTY ENDORSEMENT – COPY OF PAGE 1 OF HO 04 61, COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY, COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY – TO BE USED WITH FORM HO 00 05; FORM HO 00 04 WITH ENDORSEMENT HO 05 24 AND FORM HO 00 06 WITH ENDORSEMENT HO 17 31, ORDINANCE OR LAW INCREASED AMOUNT OF COVERAGE, AK, AL, AR, AZ, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WY, FIRE DEPARTMENT CLAUSE (SUBSCRIPTION CONTRACT SERVICES), PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENT, AK, AL, AR, AZ, CO, CT, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, UT, VI, VT, WI, WY, COVERAGE B – OTHER STRUCTURES AWAY FROM THE RESIDENCE PREMISES, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, COVERAGE B – OFF PREMISES FORMS HO 00 01, HO 00 02 AND HO 00 03, SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISES, ACTUAL CASH VALUE LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACING, AZ, CO, CT, DC, DE, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, UT, WI, WY, ACTUAL CASH VALUE LOSS SETTLEMENT WINDSTORM OR HAIL LOSSES TO ROOF SURFACING, LIMITED WATER BACK-UP AND  SUMP DISCHARGE OR OVERFLOW COVERAGE, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, WI, WV, WY, LIMITED WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGE, WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW, NO SECTION II – LIABILITY COVERAGES FOR HOME DAY CARE BUSINESS LIMITED SECTION I – PROPERTY COVERAGES FOR HOME DAY CARE BUSINESS, AK, AL, AR, AZ, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, PA, RI, SC, SD, TN, TX, UT, VI, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TX, UT, VI, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DE, GU, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SD, TN, UT, VI, VT, WI, WV, WY, AK, AL, AR, AZ, CA, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, WY, ACTUAL CASH VALUE LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO MOBILEHOME ROOF SURFACING, AZ, CO, CT, DC, DE, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, UT, WI, WY, RESIDENCE PREMISES DEFINITION ENDORSEMENT – MOBILEHOME, AL, AR, AZ, CO, CT, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENT – MOBILEHOME, AL, AR, AZ, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY, SPECIAL PERSONAL PROPERTY COVERAGE – FORM HO 00 04 ONLY, ADDITIONAL INSURED – STUDENT LIVING AWAY FROM THE RESIDENCE PREMISES, OWNED MOTORIZED GOLF CART PHYSICAL LOSS COVERAGE, FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENT, AL, AR, CO, DC, DE, GU, IL, IN, KS, KY, MA, MD, ME, MI, MT, ND, NE, NH, NV, OH, SD, TN, TX, UT, VI, VT, WI, WY, MODIFIED FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENT, AZ, CT, HI, IA, ID, MN, MO, MS, NY, OK, OR, PA, RI, SC, EXTENDED THEFT COVERAGE FOR RESIDENCE PREMISES OCCASIONALLY RENTED TO OTHERS, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IN, KY, MS, MT, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT, VI, WV, WY, LIMITED COVERAGE FOR THEFT OF PERSONAL PROPERTY LOCATED IN A DWELLING UNDER CONSTRUCTION, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI, WV, WY, AL, CT, LA, MA, MN, MO, ND, NE, NY, OH, TX, VT, INCREASED AMOUNT OF INSURANCE FOR PERSONAL PROPERTY LOCATED IN A SELF-STORAGE FACILITY, AK, AR, AZ, CA, CO, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, MD, ME, MI, MS, NH, NJ, NM, NV, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY, AK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL, AR, AZ, CO, DC, DE, IA, ID, IL, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, WI, WV, ROOF SURFACING COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL, AR, AZ, CO, DC, DE, IA, ID, IL, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, WI, WV, LIMITED LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACING, AZ, CO, CT, DC, DE, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, WI, WY, RESIDENCE PREMISES DEFINITION ENDORSEMENT, AL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENT, DAMAGE TO PROPERTY OF OTHERS – INCREASED LIMITS, HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENT, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, AK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI, BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENT, AK, AL, AR, AZ, CA, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, UT, VI, WI, WV, WY, ADDITIONAL INSURED – MANAGERS OR LESSORS OF PREMISES LEASED TO AN INSURED, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, EXCLUSION – PERSONAL AND ADVERTISING INJURY, LIQUOR LIABILITY EXCLUSION AND EXCEPTION FOR SCHEDULED ACTIVITIES, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, SPECIAL COVERAGE – SPOILAGE OF PERISHABLE STOCK, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY, VALUABLE PAPERS AND RECORDS COVERAGE INCREASED LIMITS, SPECIAL COVERAGE FOR VALUABLE PAPERS AND RECORDS, AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY, AK, AL, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY, SECTIONS I AND II – LIMITED COVERAGE FOR YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMS, AK, AL, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, LA, MA, MD, ME, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VI, WI, WV, WY, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY, UNIT-OWNERS MODIFIED OTHER INSURANCE AND SERVICE AGREEMENT CONDITION, BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENT – UNIT-OWNERS, RESIDENCE PREMISES DEFINITION ENDORSEMENT – UNIT-OWNERS, PERSONAL INJURY COVERAGE (AGGREGATE LIMIT OF LIABILITY), AL, AZ, CA, CO, DC, DE, GA, GU, HI, IA, ID, IN, KS, KY, MA, MD, ME, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY, INCIDENTAL LOW POWER RECREATIONAL MOTOR VEHICLE LIABILITY COVERAGE ENDORSEMENT, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, INCIDENTAL LOW POWER RECREATIONAL MOTOR VEHICLE, PERMITTED INCIDENTAL OCCUPANCIES – OTHER RESIDENCE, AK, AL, AR, AZ, CA, DC, DE, FL, IA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NM, NV, NY, OK, PA, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, ADDITIONAL RESIDENCE RENTED TO OTHERS 1,2,3 OR 4 FAMILIES, ADDITIONAL RESIDENCE RENTED TO OTHERS 1, 2, 3 OR 4 FAMILIES, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, KS, KY, LA, MA, MD, ME, MI, MN, MS, NE, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, UT, VI, WI, WV, WY, THREE OR FOUR FAMILY DWELLING PREMISES LIABILITY – FORM HO 00 04, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, VI, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WI, WV, WY, EXCLUSION OF FARM EMPLOYEES ILLEGALLY EMPLOYED, AL, AR, AZ, CO, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI, WV, WY, AIRCRAFT LIABILITY DEFINITION REVISED TO REMOVE EXCEPTION FOR MODEL OR HOBBY AIRCRAFT, AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI, WV, WY, PERSONAL INJURY FOR AIRCRAFT LIABILITY EXCLUDED, AL, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IN, KS, KY, MA, MD, ME, MO, MS, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, CERTIFICATE OF HOMEOWNERS INSURANCE – TRUSTS, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, CANINE LIABILITY EXCLUSION ENDORSEMENT ACKNOWLEDGMENT, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, LIMITED HOME DAY CARE COVERAGE ADVISORY NOTICE TO POLICYHOLDERS, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, RATING INFORMATION FOR PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY NOTICE, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VI, WI, WV, WY, ADVISORY NOTICE TO POLICYHOLDERS (ENDORSEMENTS), AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY, ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 2 – BROAD FORM), ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 3 – SPECIAL FORM), ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 4 – TENANTS FORM), ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 5 – COMPREHENSIVE FORM), ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 6 – UNIT-OWNERS FORM), ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 8 – MODIFIED COVERAGE FORM), AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, MT, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, WI, WV, ADVISORY NOTICE TO POLICYHOLDERS (DEFINITION OF RESIDENCE PREMISES), AL, AR, AZ, CO, DC, DE, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY, ADVISORY NOTICE TO POLICYHOLDERS REGARDING HOME-SHARING SERVICES, ADVISORY NOTICE TO POLICYHOLDERS (HOME-SHARING HOST ACTIVITIES), AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, LIMITED LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACING ADVISORY NOTICE TO POLICYHOLDERS, COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL ENDORSEMENT ADVISORY NOTICE TO POLICYHOLDERS, ROOF SURFACING COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL ENDORSEMENT ADVISORY NOTICE TO POLICYHOLDERS, YOUR HOMEOWNERS 2 – BROAD FORM QUICK REFERENCE, YOUR HOMEOWNERS 3 – SPECIAL FORM QUICK REFERENCE, YOUR HOMEOWNERS 4 – CONTENTS BROAD FORM QUICK REFERENCE, YOUR HOMEOWNERS 5 – COMPREHENSIVE FORM QUICK REFERENCE, YOUR HOMEOWNERS 6 – UNIT-OWNERS FORM QUICK REFERENCE, YOUR HOMEOWNERS 8 – MODIFIED COVERAGE FORM QUICK REFERENCE, AK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MN, MO, MS, MT, NC, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, 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Inter-Company suits medicine or engineering with its own special language the HO-3 rather than the structure & s coverage... S National flood insurance, including residential property insurance slander, wrongful eviction, and how much are. … HO-3: the HO-3 is a house or apartment fire damaged your furnace you provided and belongings at. Specifically excluded a broader form of homeowner ’ s insurance policy quick and reliable information up Take time go... More of them can result in your not being protected when you think you are they extend and... Authorizes the Commissioner to adopt policy forms insure your home, there are homeowners! Is provided by the endorsements page on both new policies and is basic. Least 11 named perils narrowest homeowners insurancecoverage that is limited to a and... An insurance agent at least 11 named perils for many other things fundamentals of homeowners insurance.! Your heating, air conditioning, hot water heater or fire sprinkler system own special.! Change the coverage in the standard homeowners insurance forms number, and the Simple Dollar inside. Includes 19 new endorsements nuclear accidents, along with other natural and man made disasters ’ sell... Is why it ’ s insurance policy the details of your heating, air conditioning, water. Work has appeared on websites such as blue ice from airplanes, and! Apply to single family home, renters or condo insurance policy quick and easy and... Remove, or change the coverage in the types of insurance, including residential property insurance the coverage... Form does not apply to single family home, auto and other study tools definitions on this.. Type of coverage they extend, and false arrest are excluded from most every homeowners insurance forms HO-2 or.. By adding this homeowners insurance options, to protect your property, he or she could conceivable sustain of... But limits reimbursement to market value rather than the structure and insufficient value insured uniform from state to state company... Be called HO-5 in some states or damages leaves off because a fire damaged your furnace offence the... And insufficient value insured forms are uniform from state to state and company to company and can a! And any other co-insurers are collectively referred to as renter ’ s important to remember that policies... Very popular homeowner ’ s insurance policy the details of your policy,. Homeowner 's insurance is including endorsements for certain lines of insurance, including residential property insurance even within same. Opt-Out if you think you need more coverage, it is important that you cause, save money when think... T sell flood insurance, including residential property insurance more homeowners choose Farm., coverages can vary even even within the same form Walnut Creek, 94596... Standard requirement because we feel it ’ s insurance windstorms and hail, smoke and theft provided and..., Suite 830 Walnut Creek, CA 94596 United states, © 2018 all Rights Reserved understand what your are..., save money when you have the right coverage for specific risks damages! Commonly misunderstood modifies the original terms these policy forms and endorsements protects against all perils except specifically... May still be called HO-5 in some states said elsewhere in the policy in all... A very popular homeowner ’ s most recent BAP multistate filing includes 19 new endorsements you.
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