Texas Homeowner Forms and Endorsements Description

Size: px
Start display at page:

Download "Texas Homeowner Forms and Endorsements Description"

Transcription

1 Texas Homeowner The following is a brief description of the ISO Homeowners Policy Forms. HO Homeowners 3 Special Form. This form is analogous to the Texas Homeowners Policy - Form B. A side-by-side comparison of the policies' provisions is provided; Texas Homeowner Property Coverage Comparison and Texas Homeowner Liability Coverage Comparison. HO Homeowners 4 Contents Broad Form. This form is issued to a tenant (non-owner) of a dwelling or an apartment situated in any building; or an owner-occupant of a dwelling, cooperative unit or of a building containing an apartment not otherwise eligible for a Homeowners Policy Form 3 or 5. The residence premises occupied by the insured must be used exclusively for residential purposes, with specified exceptions, and is not occupied by more than one additional family or more than two boarders or roomers. The breadth of coverage is like that provided to Coverage C- Personal Property in Form 3, except under the Additional Coverages, Buildings Additions and Alterations coverage for tenant acquired or made improvements, replaces the Landlords Furnishings coverage not needed by tenants. This form is analogous to the Texas Homeowners Tenant Policy - Form B. HO Homeowners 5 Comprehensive Form. This form is similar to the Homeowners 3 Special Form except that Coverage C - Personal Property is insured on an open perils basis. This form is analogous to the Texas Homeowners Policy - Form C. HO Homeowners 6 Unit-Owners Form. This form is issued to an owner of condominium or cooperative unit used for residential purposes. The breadth of Coverage C - Personal Property is like the Form 4 except there is no Additional Coverage for Landlord Furnishings or Building Additions and Alterations. Instead, all building and structural items in the unit or on the premises containing the unit for which the unit owner is solely responsible, are covered under Coverage A - Dwelling for a basic limit of $5,000. This limit can be increased to the unit owner's exposure need. This form is analogous to the Texas Homeowners Condominium Policy- Form B.

2 Texas Homeowner Page 2 HO Personal Property Replacement Cost Loss Settlement - Texas. Provides replacement cost loss settlement on contents Coverage C. HO Foundation Coverage - Texas. This endorsement provides coverage for settling, cracking, shrinking, bulging, or expansion of foundations, floor slabs or footings that support the dwelling caused by seepage or leakage of water or steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system. The coverage includes the cost of tearing out and replacing any part of the building necessary to repair the system from which the water or steam escaped. The loss to the system from which the water or steam escaped is not covered. The endorsement limits coverage to 15% of the amount of insurance for Coverage A - Dwelling on the date of the loss. Central also offers options for 5% and 10% on forms and HO Limited Fungi Coverage-Texas. Central does not offer this ISO form, but we do offer this coverage on form Form provides a basic limit up to $5,000 for the cost of testing and remediation and for any increase in expenses for Loss of Use due to such testing and remediation. Additional limits of 10%, 25%, 50% and 100% of the Coverage A limit of liability are also provided. HO Water Back Up And Sump Overflow - Texas. This endorsement provides coverage for loss resulting from water, or water-borne material, which backs up through sewers or drains or which overflows from a sump. The limit of liability available under this option is $5,000. The basic Limit of $5,000 may be increased to a maximum of $100,000. However, if the back-up or overflow results from the events described in the Water Damage exclusion in the endorsement, it is not covered. HO Windstorm or Hail Percentage Deductible (All Forms Except HO and HO 00 06). This endorsement provides a higher deductible for loss to covered property caused by windstorm or hail. The deductible is equal to a stated percentage of the limit of liability that applies to Coverage A - Dwelling. The percentage amounts in Central s program are.50%, 1%, 1.5%, 2%, 2.5%, 3%, 4% and 5%. Ed. Note: There is also a higher Windstorm or Hail deductible option that is based on "fixed dollar" amounts of $500 and $1,000. This deductible option is declared in the deductible section of declarations page, eg: $1,000 to Windstorm or Hail; $250 All other Perils. Since no policy provisions are altered by the "fixed dollar" provisions, no endorsement is needed.

3 Texas Homeowner Page 3 HO Coverage B. Other Structures Away From The Residence Premises. Under Forms HO and HO 00 03, the policy form provides additional insurance, on a "blanket" basis, of up to 10% of the Coverage A - Dwelling limit for other structures located on the residence premises. This endorsement extends the "blanket" amount to apply to structures located away from the residence premises, e.g. boathouse, dock, garage. Coverage is subject to ACV loss settlement and other conditions. HO Additional Interest (Residence Premises). In addition to the Mortgagee(s) shown in the Declarations or elsewhere in the policy, this endorsement names additional persons or organizations which also have an interest in the residence premises. HO Additional Insured (Residence Premises). This endorsement covers the interest of an additional insured relating to the residence premises. HO Other Members Of Your Household. This endorsement provides coverage to a person who is a member of the named insured's household but does not fall under the definition of insured in the policy. HO Additional Insured. Student Living Away From The Residence Premises. The new homeowners forms include a full-time student under age 24 away at school within the definition of "insured" This endorsement is used to broaden that definition by removing the age and fulltime student restrictions. HO Residence Held In Trust. This endorsement provides Section I - Property and Section II - Liability coverage for grantors, beneficiaries and trustees related to a residence held in trust. HO Incidental Farming Personal Liability. This endorsement, sometimes called the "Hobby Farm" endorsement, provides Section II - Liability coverage when farming, conducted on the residence premises, is incidental to the use of the premises as a dwelling, and the income derived from the farming operations is not the insured's primary source of income. The endorsement also provides Section II - Liability coverage for the liability of the insured whose incidental farming activities are conducted at locations specified in the endorsement which are away from the residence premises.

4 Texas Homeowner Page 4 HO Farmers Personal Liability. This endorsement provides Section II - Liability coverage when the insured has a farm away from the residence premises and farming is not the insured's primary occupation. The coverage may be extended to include employers liability including medical payments, for farm employees of an insured. HO Increased Limits On Business Property. This endorsement allows the $2,500 limit of liability for business property on the residence premises to be increased to $10,000 in increments of $2,500. HO Premises Alarm Or Fire Protection System. This endorsement acknowledges the application of a premium credit for the installation of an alarm system or automatic sprinkler system. HO Specified Additional Amount Of Insurance For Coverage A - Dwelling (Forms HO and HO Only). This endorsement provides additional insurance under Coverage A -Dwelling only when loss to the dwelling building exceeds the limit of liability shown in the policy declarations. HO Loss Assessment Coverage. This endorsement increases the limit in the policy form from $1,000 to the amount stated in the endorsement and enables coverage to be extended to additional locations. HO Loss Assessment Coverage For Earthquake. This endorsement provides loss assessment coverage resulting from earthquake. HO Structures Rented To Others (Residence Premises). This endorsement provides Section I - Property and Section II - Liability coverages when a structure on the residence premises is rented to others for dwelling purposes. HO Permitted Incidental Occupancies (Residence Premises). This endorsement provides expanded Section I - Property and basic/limited Section II - Liability coverage for a business operated on the residence premises. HO Replacement Cost Loss Settlement For Certain Non. Building Structures On The Residence Premises. This endorsement provides for certain types of structures not subject to rapid and/or significant wear and tear (e.g. metal fences, masonry walls, patios or walks not made of wood or wood products.)

5 Texas Homeowner Page 5 HO Other Structures On The Residence Premises. Increased Limits. This endorsement provides coverage for each structure, located on the residence premises, described on the endorsement for the additional limit of liability specified for that structure. HO Building Additions And Alterations. Other Residence. This endorsement provides Section I - Property coverage for additions and alterations at residences, other than the residence premises, not owned by an insured. HO Personal Property At Other Residences. Increased Limits. This endorsement increases the limit for personal property usually located at other residences in the policy form from 10% of Coverage C to the amount stated in the endorsement. HO Building Additions and Alterations. Increased Limit (Form HO 00 04). This endorsement increases the limit for additions and alterations in the policy form from 10% of Coverage C to the amount stated in the endorsement. HO Livestock Collision Coverage. This endorsement may be attached to a policy with either the HO Incidental Farming Personal Liability or HO Farmers Personal Liability coverage to insure against loss resulting from death of covered livestock from specified causes. HO Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money Coverage. Increased Limit. This endorsement increases the limit applicable to Credit Card, Electronic Fund Transfer Card or Access Device, Forgery And Counterfeit Money coverage in the policy form from $500 to the amount stated on the endorsement. HO Earthquake. This endorsement extends coverage to insure against loss resulting from Earthquake. HO Assisted Living Care Coverage. This endorsement provides personal property, additional living expense and personal liability coverage to a person regularly residing in an assisted living care facility. HO Scheduled Personal Property Endorsement (Copy of Page 1 of HO 04 61). This endorsement is attached to the insurer's paper or electronic copy of the daily reports to record the items and amounts scheduled.

6 Texas Homeowner Page 6 HO Coverage C Increased Special Limits Of Liability. Endorsement HO 04 65, which provides named perils coverage accommodates increases in the Special Limits of Liability that apply to certain categories of personal property. e.g. jewelry, furs, money, silverware, firearms and electronic apparatus. HO Windstorm Or Hail Exclusion - Texas. This endorsement excludes loss caused directly or indirectly by windstorm or hail and may be used only when a risk eligible for such coverage is written in the Texas Catastrophe Property Insurance Pool. HO Special Computer Coverage - Texas. This endorsement provides open perils coverage to computers and related equipment. HO Coverage C Increased Special Limits Of Liability - Texas. Endorsement HO 04 73, which provides open perils coverage, accommodates increases in the Special Limits of Liability that apply to certain categories of personal property. e.g. jewelry, furs, money, silverware, firearms and electronic apparatus. HO Ordinance Or Law Increased Amount of Coverage. This endorsement increases the limited amount of Ordinance of Law coverage provided in the policy form from 10% of Coverage A (or Coverage C of HO 00 04) to a percentage amount stated in the endorsement.. HO Specific Structures Away From The Residence Premises. This endorsement provides insurance on a scheduled basis for structures away from the residence premises. The limit for each structure is stated on the endorsement. HO No Section II Liability Coverages For Home Day Care Business, Limited Section I - Property Coverages For Home Day Care Business. This endorsement, which is attached to all policies, informs the policyholder that a home day care business is not covered under Section II - Liability and only has limited business property coverage under Section I - Property. HO Refrigerated Property Coverage. This endorsement insures covered property stored in a freezer subject to a maximum amount of $500 and a special deductible of $100. HO Sinkhole Collapse. This endorsement insures against loss by Sinkhole Collapse under Section I - Property coverage.

7 Texas Homeowner Page 7 HO Owned Motorized Golf Cart Physical Loss Coverage. This endorsement provides open perils coverage for owned golf carts. It also allows the insured to select or decline collision coverage. HO Functional Replacement Cost Loss Settlement (Form HO Only). This endorsement provides building loss settlement exclusively on a functional replacement cost basis if, at the time of a loss, the amount of insurance on the damaged building is 80% or more of the functional replacement cost of the building immediately before the loss. Functional replacement cost means the amount which it would cost to repair or replace the damaged building with less costly common construction materials and methods which are functionally equivalent to obsolete, antique or custom construction materials and methods. HO Extended Theft Coverage For Residence Premises Occasionally Rented To Others. This endorsement provides coverage for loss by theft when all or part of the residence premises usually occupied by the insured is occasionally rented, in whole or in part, to others, or is regularly or occasionally rented to roomers or boarders. HO Landlord's Furnishings. The basic policy form HO 00 02, HO and HO provide coverage for landlord's furnishing up to $2,500 per apartment. This endorsement increases that limit. HO Special Personal Property Coverage. Form HO Only - Texas. In Form 4, Coverage C - Personal Property is insured on a named perils basis. This endorsement extends such coverages to an open perils basis. Together with Form 4, this endorsement is analogous to Texas Homeowners Tenants Policy - Form C. HO Unit-Owners Rental To Others. This endorsement is used with Form 6 to provide Coverage C - Personal Property coverage, subject to certain theft exclusions, and Section II - Liability coverage when the residence premises is regularly rented or held for rental to others. HO Unit-Owners. Modified Other Insurance And Service Agreement Condition. Form 6 provides that if there is other insurance in the name of a corporation or association of property owners covering the same property, payment for a covered loss will be excess over the amount recoverable under such loss. If the Association does not recover under its policy, for any reason, there is no payment to the insured. This endorsement is used with Form 6 to alter the Other Insurance and Service Agreement Condition provide for payment of a covered loss in excess of the amount due from the other insurance whether the corporation or association of property

8 Texas Homeowner Page 8 owners can collect on it or not. HO Unit-Owners Coverage C Special Coverage - Texas. In Form 6, Coverage C - Personal Property is insured on a named perils basis. This endorsement extends such coverages to an open perils basis. Together with Form 6, this endorsement is analogous to Texas Homeowners Condominium Policy - Form C as it relates to personal property. HO Unit-Owners Coverage A Special Coverage - Texas. In Form 6, Coverage A - Dwelling is insured on a named perils basis. This endorsement extends such coverages to an open perils basis. Together with Form 6, this endorsement is analogous to Texas Homeowners Condominium Policy - Form C as it relates to dwelling coverage. HO Special Loss Settlement - Texas. The policy provides building loss settlement on a replacement cost basis if, at the time of loss, the amount of insurance on the damaged building represents at least 80% of the full replacement cost of the building immediately before the loss. This percentage amount may be modified to 50%, 60% or 70% of replacement value without affecting the loss settlement provisions. If this option is selected, the Coverage A limit representing 50%, 60% or 70% of replacement value is to be shown in the policy declarations. HO Scheduled Personal Property Endorsement Texas Provides that this schedule covers property separately described and specifically insured. HO Personal Property Replacement Cost Loss Settlement - Texas. Provides replacement cost loss settlement on contents Coverage C. HO Actual Cash Value Loss Settlement Windstorm Or Hail Losses To Roof Surfacing (All Forms Except HO 00 04) This endorsement amends the replacement cost loss settlement condition in the policy form to an ACV basis when roof surfacing is damaged by windstorm or hail. HO Incidental Low Power Recreational Motor Vehicle. This endorsement provides Section II - Liability coverage for certain types of low power recreational motor vehicles with a maximum attainable speed of 15mph and subject to other conditions. HO Permitted Incidental Occupancies. Other Residences. This endorsement provides basic/limited Section II - Liability coverage for a business is operated from an insured's residence, other than the residence premises.

9 Texas Homeowner Page 9 HO Personal Injury - Texas. This endorsement provides Section II - Liability coverage for personal injury to others, such as false arrest, libel or invasion of privacy. HO Owned Snowmobile. This endorsement provides Section II - Liability coverage, subject to certain limitations, when a snowmobile described in the endorsement is used off an insured location. HO Additional Residence Rented To Others (1, 2, 3 or 4 Families). This endorsement provides Section II - Liability coverage when a structure on the residence premises is rented to others for dwelling purposes. HO Business Pursuits. This endorsement provides Section II - Liability Coverage arising out of business activities of an insured described in the endorsement. Coverage is excluded if the insured owns the business, is a partner or maintains financial control in the business. HO Watercraft. This endorsement provides Section II - Liability coverage for Watercraft up to 26 feet in length and powered by outboard engines or motors exceeding 25 horsepower; or craft powered by any inboard or inboard-outdrive engine or motor. Sailboats 26 feet or more in overall length, with or without auxiliary power, can also be covered. HO Exclusion Of Farm Employees Illegally Employed. This endorsement excludes Section II - Liability coverage for bodily injury to a farm employee employed in violation of the law by the insured. HO Exclusion Of Residential Property Clause - Texas. This endorsement deletes the residential property clause from the form.

ISO HOMEOWNERS OPTIONAL COVERAGE ENDORSEMENTS CHECKLIST

ISO HOMEOWNERS OPTIONAL COVERAGE ENDORSEMENTS CHECKLIST PF&M ANALYSIS: ISO HOMEOWNERS OPTIONAL COVERAGE ENDORSEMENTS CHECKLIST (July, 2014) This checklist is designed for use with other PF&M articles. Related Articles: ISO Homeowners Optional Coverage Endorsements.

More information

Utah Homeowners Forms

Utah Homeowners Forms Utah Homeowners Forms HOMEOWNERS FORMS AND ENDORSEMENTS The first three positions of the contract form numbers indicate the type of contract. The last two positions is the state code: 43 for Utah. Those

More information

MARYLAND PROPERTY INSURANCE AVAILABILITY PROGRAM ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT

MARYLAND PROPERTY INSURANCE AVAILABILITY PROGRAM ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT MARYLAND PROPERTY INSURANCE AVAILABILITY PROGRAM ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT DATE (MM/DD/YYYY) TO: JOINT INSURANCE ASSOCIATION 170 W. RIDGELY ROAD, SUITE 230 LUTHERVILLE, MARYLAND

More information

The Homeowners Policy - There s Coverage in Those Exclusions! sponsored by

The Homeowners Policy - There s Coverage in Those Exclusions! sponsored by The Homeowners Policy - There s Coverage in Those Exclusions! sponsored by The HO Policy There s Coverage In Those Exclusions Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW PO BOX 781 NORTH KINGSTOWN,

More information

TOI: 04.0 Homeowners Sub-TOI: 04.0000 Homeowners Sub-TOI Combinations Revised Rule 521 Water Sewer Backup for HCIC

TOI: 04.0 Homeowners Sub-TOI: 04.0000 Homeowners Sub-TOI Combinations Revised Rule 521 Water Sewer Backup for HCIC Project Name/Number: Homeowners Multi Peril/ Filing at a Glance Company: Hartford Casualty Insurance Company Revised Rule 521 Water Sewer SERFF Tr Num: HART-125929339 State: Arkansas Backup for HCIC TOI:

More information

Consumer s Quick Check Guide Condominium Unit-Owners Policy

Consumer s Quick Check Guide Condominium Unit-Owners Policy Consumer s Quick Check Guide Condominium Unit-Owners Policy Explanation of Coverage Limits and Options: This Consumer s Quick Check Guide to the Condominium Unit-Owners Policy is based, in part, on Insurance

More information

Personal property insurance: homeowner and auto insurance.

Personal property insurance: homeowner and auto insurance. Insurance and Social Insurance Personal property insurance: homeowner and auto insurance. Agenda Homeowners Insurance Basics Analysis of Homeowners 3 Policy Section I Coverages Section I Perils Insured

More information

HOMEOWNER FORMS COMPARISON OF 1991, 2000 & 2011 VERSIONS

HOMEOWNER FORMS COMPARISON OF 1991, 2000 & 2011 VERSIONS PAGE 1 HOMEOWNER FORMS COMPARISON OF 1991, 2000 & 2011 VERSIONS TOPIC HOW HO-91 HANDLES IT HOW HO2000 HANDLES IT HOW THE 2011 HO REVISION HANDLES IT Risks of direct physical loss on personal property Other

More information

HOMEOWNERS PROGRAM NEW HAMPSHIRE

HOMEOWNERS PROGRAM NEW HAMPSHIRE HOMEOWNERS PROGRAM HINGHAM MUTUAL FIRE INSURANCE COMPANY AMERICAN ASSOCIATION OF INSURANCE SERVICES 1745 South Naperville Road Wheaton, IL 60187-8132 This manual contains rules, definitions, rating information,

More information

Contents. Product Information. Discounts Loss Surcharges. Eligibility. Billing Options. Questions

Contents. Product Information. Discounts Loss Surcharges. Eligibility. Billing Options. Questions Contents Product Information Discounts Loss Surcharges Eligibility Billing Options Questions Policy Forms Offered This product is designed to appeal to a broad group of consumers by utilizing the following

More information

Utah Enhanced Homeowners Form

Utah Enhanced Homeowners Form Utah Enhanced Homeowners Forms ENHANCED HOMEOWNERS PROGRAM Mutual of Enumclaw offers a simplified approach to providing Enhanced Homeowners protection. The Enhanced Homeowners policy is a self-contained,

More information

HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE ADDITIONAL COVERAGES. www.afi.org

HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE ADDITIONAL COVERAGES. www.afi.org HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE ADDITIONAL COVERAGES www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering

More information

HOMEOWNERS POLICY PROGRAM CALIFORNIA

HOMEOWNERS POLICY PROGRAM CALIFORNIA HOMEOWNERS POLICY PROGRAM CALIFORNIA THE TOKIO MARINE AND FIRE INSURANCE COMPANY, LTD. (U.S. BRANCH) Includes copyrighted material of Insurance Services Office, with its permission Copyright, Insurance

More information

SPECIAL PROVISIONS ñ NEW YORK

SPECIAL PROVISIONS ñ NEW YORK HOMEOWNERS HO 01 31 10 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIAL PROVISIONS ñ NEW YORK SECTION I ñ PROPERTY COVERAGES E. Additional Coverages 6. Credit Card, Electronic

More information

DISTRICT OF COLUMBIA PROPERTY INSURANCE FACILITY ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT

DISTRICT OF COLUMBIA PROPERTY INSURANCE FACILITY ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT TO: DISTRICT OF COLUMBIA PROPERTY INSURANCE FACILITY 170 W. RIDGELY ROAD, SUITE 230 LUTHERVILLE, MARYLAND 21093 TEL: 1-800-492-5670 FAX: (410) 244-7268 APPLICANT (PLEASE PRINT OR TYPE) NAME DISTRICT OF

More information

KANSAS MUTUAL INSURANCE COMPANY FARM PROTECTOR PROGRAM General Index

KANSAS MUTUAL INSURANCE COMPANY FARM PROTECTOR PROGRAM General Index General Index Page Section Number Rate Page ADDITIONAL AND SECONDARY LOCATIONS 27 14 31 Additional Interests 12 6.4 Additional Living Expense 23 12.2 33 Additional Residence Premises -- Rented To Others

More information

HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE. www.afi.org

HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE. www.afi.org HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to

More information

Enhanced Homeowners Forms

Enhanced Homeowners Forms Enhanced Homeowners Forms ENHANCED HOMEOWNERS PROGRAM Enumclaw Property and Casualty offers a simplified approach to providing Enhanced Homeowners protection. The Enhanced Homeowners policy is a self-contained,

More information

Renters Insurance. When you want to leave nothing to chance.

Renters Insurance. When you want to leave nothing to chance. Renters Insurance When you want to leave nothing to chance. Property Coverage The Renters Policy protects your possessions in the event of: Fire Lightning Windstorm Hail Explosion Riot Aircraft Damage

More information

Texas Fair Plan Association

Texas Fair Plan Association Texas Fair Plan Association FREQUENTLY ASKED QUESTIONS What is the Texas FAIR Plan Association and its purpose? The Texas FAIR Plan Association is an entity established by Texas Insurance Code Article

More information

Safety Insurance Company Safety Indemnity Insurance Company SAFETY SUPREME ENDORSEMENT

Safety Insurance Company Safety Indemnity Insurance Company SAFETY SUPREME ENDORSEMENT Safety Insurance Company Safety Indemnity Insurance Company SAFETY SUPREME ENDORSEMENT SSE 001 01 12 For an additional premium, we will provide the following: SECTION I - PROPERTY COVERAGES Coverage A

More information

KANSAS MUTUAL INSURANCE COMPANY DELUXE HOMEOWNERS PROGRAM. General Index Page

KANSAS MUTUAL INSURANCE COMPANY DELUXE HOMEOWNERS PROGRAM. General Index Page General Index Page Rule No. ACV Roofing Additional Amount or Coverages Additional Insureds Additional Living Expense--Increased Limit Additional Residences (1) Occupied by Insured (2) Rented to Others

More information

Illinois Insurance Facts Illinois Department of Insurance

Illinois Insurance Facts Illinois Department of Insurance Illinois Insurance Facts Illinois Department of Insurance Shopping for Homeowners Insurance Updated January 2014 Note: This information was developed to provide consumers with general information and guidance

More information

Chapter 8 Homeowners Insurance: Section I Coverages

Chapter 8 Homeowners Insurance: Section I Coverages Chapter 8 Homeowners Insurance: Section I Coverages Overview With this chapter we begin our study of property and liability insurance contracts. The first coverage we will examine is a popular personal

More information

Link to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage Program Guidelines

Link to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage Program Guidelines IDAHO Homeowner Product Guide What s New Effective Date Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Marketing Materials Policy Services Supplies

More information

ARIZONA. Homeowner. Product Guide. What s New. Discounts. General Rules. How To Reach Us. Additional Rating Elements HO-3 and HO-5.

ARIZONA. Homeowner. Product Guide. What s New. Discounts. General Rules. How To Reach Us. Additional Rating Elements HO-3 and HO-5. What s New General Rules Discounts ARIZONA Homeowner Product Guide How To Reach Us Phone / Email Home Office Agency Services Claims Customer Service (Billing) Marketing Materials Supplies Website Target

More information

MASSACHUSETTS PROPERTY INSURANCE

MASSACHUSETTS PROPERTY INSURANCE MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION Two Center Plaza Boston, Massachusetts 02108-1904 (617)723-3800, (800)851-8978, FAX (617)557-5675 August 10, 2010 TO: All Massachusetts Producers

More information

Insurer Name: Insurance Company Policy Period: 10/01/2010 09/30/2011 Type of Policy: Homeowners Important 11Things

Insurer Name: Insurance Company Policy Period: 10/01/2010 09/30/2011 Type of Policy: Homeowners Important 11Things Insurer Name: Insurance Company Policy Period: 10/01/2010 09/30/2011 Type of Policy: Homeowners Important 11Things YOU NEED TO KNOW ABOUT YOUR HOMEOWNERS POLICY. 1What s covered by my policy? The Property

More information

Advantage Elite Extended

Advantage Elite Extended Advantage Elite Extended We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy: SECTION I - PROPERTY COVERAGES EXTENDED DWELLING REPLACEMENT

More information

Understanding Homeowner Policy Exclusions & Endorsements

Understanding Homeowner Policy Exclusions & Endorsements Introduction Understanding Homeowner Policy Exclusions & Endorsements Many homeowners feel that when they purchase a homeowner insurance policy it automatically provides coverage for all risks of physical

More information

Texas Homeowners Insurance Policy Comparison. Report to the 82 nd Texas Legislature as required by Senate Bill 1 (81 st Legislature, 2009)

Texas Homeowners Insurance Policy Comparison. Report to the 82 nd Texas Legislature as required by Senate Bill 1 (81 st Legislature, 2009) Texas Homeowners Insurance Policy Comparison Report to the 82 nd Texas Legislature as required by Senate Bill 1 (81 st Legislature, 2009) TEXAS HOMEOWNERS INSURANCE POLICY COMPARISON EXECUTIVE SUMMARY

More information

American Integrity vs. Citizens Homeowners Coverage Comparison

American Integrity vs. Citizens Homeowners Coverage Comparison Homeowners Coverage Description American Integrity vs. Citizens Homeowners Coverage Comparison Citizens Multi-Peril Policy American Integrity Insurance Company (AIIC) Comments or Explanations Building

More information

Texas Fair Plan Association

Texas Fair Plan Association Texas Fair Plan Association RESIDENTIAL PROPERTY INSURANCE The Texas FAIR Plan Association provides limited coverage through the Texas Homeowners Policy - Form A (HO-A), Texas Dwelling Policy Form 1 (TDP-1),

More information

FARM/RANCH INSURANCE PROTECTING YOUR DREAMS

FARM/RANCH INSURANCE PROTECTING YOUR DREAMS FARM/RANCH INSURANCE PROTECTING YOUR DREAMS Choose an insurance provider who s as serious as you are about protecting your livelihood. Discover the advantages of American Family Insurance and our Farm/Ranch

More information

COMPARISON OF SELECT STANDARD TEXAS HOMEOWNER FORMS WITH ISO HO3. Mike Gibbs imga, LLC

COMPARISON OF SELECT STANDARD TEXAS HOMEOWNER FORMS WITH ISO HO3. Mike Gibbs imga, LLC COMPARISON OF SELECT STANDARD TEXAS HOMEOWNER FORMS WITH ISO HO3 Mike Gibbs imga, LLC www.imga.biz FUN WITH FORMS A Detailed, Accurate and Slightly Irreverent Comparison of Texas and ISO Homeowners Policy

More information

COMPARISON OF SELECT STANDARD TEXAS DWELLING FIRE FORMS WITH ISO DP3

COMPARISON OF SELECT STANDARD TEXAS DWELLING FIRE FORMS WITH ISO DP3 COMPARISON OF SELECT STANDARD TEXAS DWELLING FIRE FORMS WITH ISO DP3 www.imga.biz COMPARISON OF SELECT STANDARD TEXAS DWELLING FIRE FORMS WITH ISO DP3 COVERED PROPERTY PERILS INSURED AGAINST EXTENSIONS

More information

Link to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage

Link to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage WASHINGTON Homeowner Product Guide Mutual of Enumclaw Insurance Company What s New Effective Date Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing)

More information

OREGON MUTUAL INSURANCE GROUP MANUFACTURED HOME POLICY PROGRAM INDEX

OREGON MUTUAL INSURANCE GROUP MANUFACTURED HOME POLICY PROGRAM INDEX INDEX General Instructions... MH-1 Basic Coverages and Limit of Liability... MH-1 Description of Coverage... MH-1 Deductible... MH-1 Application... MH-2 Binders... MH-2 Replacement Value Coverage C (H109)...

More information

Link to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage

Link to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage WASHINGTON Homeowner Product Guide Enumclaw Property and Casualty Insurance Company What s New Effective Date Updates How To Reach Us Home Office Agency Services Claims Customer Service (Billing) Marketing

More information

OREGON MUTUAL INSURANCE COMPANY DWELLING FIRE

OREGON MUTUAL INSURANCE COMPANY DWELLING FIRE AUTOMATIC INCREASE IN INSURANCE The Company will increase the limits of liability for dwellings and outbuildings at the beginning of each renewal policy period, based upon reports of recognized appraisal

More information

Coverage that fits your lifestyle

Coverage that fits your lifestyle CONDOMINIUM UNITOWNERS Coverage that fits your lifestyle Your condominium (condo) association may include insurance for the building s structure, but covering your unit and personal possessions is up to

More information

Home Insurance Buyer s Guide

Home Insurance Buyer s Guide NEW JERSEY MANUFACTURERS INSURANCE COMPANY NEW JERSEY RE-INSURANCE COMPANY Home Insurance Buyer s Guide Serving Policyholders For Over 100 Years This booklet contains only general information and is not

More information

Homeowners Endorsement

Homeowners Endorsement Homeowners Endorsement 4245 N. Knox Avenue Chicago, IL 60641 Phone (773) 458-1055 www.stonegateins.com A Stock Insurance Company HOMEOWNERS ENDORSEMENT QUICK REFERENCE DECLARATIONS PAGE Name of Insurance

More information

HO Supplement for Condominium Unit-Owners and Cooperative Apartments

HO Supplement for Condominium Unit-Owners and Cooperative Apartments HO Supplement for Condominium Unit-Owners and Cooperative Apartments 11/09 2009 Underwriters Rating Board; All Rights Reserved. HO 1/09 INDEX DESCRIPTION PAGE Basic Policy Coverage and Limits 1 Mandatory

More information

Condominium Unit-Owner Coverage - A Simplifi ed Property Ownership & Insurance Nightmare!

Condominium Unit-Owner Coverage - A Simplifi ed Property Ownership & Insurance Nightmare! Condominium Unit-Owner Coverage - A Simplifi ed Property Ownership & Insurance Nightmare! Condominium Unit-Owner Coverage - A Simplified Property Ownership & Insurance Nightmare Robin Federici, CPCU, AAI,

More information

HOMEOWNERS PROGRAM CONNECTICUT. AMERICAN ASSOCIATION OF INSURANCE SERVICE 1745 S. Naperville Road, Wheaton, IL 60189-8132

HOMEOWNERS PROGRAM CONNECTICUT. AMERICAN ASSOCIATION OF INSURANCE SERVICE 1745 S. Naperville Road, Wheaton, IL 60189-8132 HOMEOWNERS PROGRAM AMERICAN ASSOCIATION OF INSURANCE SERVICE 1745 S. Naperville Road, Wheaton, IL 60189-8132 Rev. 12/12 CT. HO Manual - 1 AAIS HOMEOWNERS MANUAL TABLE OF CONTENTS INTRODUCTION RULES > Eligibility

More information

UNDERWRITING GUIDELINES HOMEOWNERS ED 05.26.05 BEACH PLAN NCIUA

UNDERWRITING GUIDELINES HOMEOWNERS ED 05.26.05 BEACH PLAN NCIUA HO3 Replacement/Special Form, HO2 Replacement/Broad Form, ACV/Modified Form, HO6 Unit-Owners Form, and HO4 Contents Broad Form Named Insured HO3, HO2,, and HO6 All policies must be written in the name

More information

Link to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage

Link to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage What s New Other Insurance Fire Protection Discount OREGON Homeowner Product Guide Enumclaw Property and Casualty Insurance Company 1215 Effective Date Updates How To Reach Us Phone / FAX / Email Home

More information

PERSONAL LIABILITY COVERAGE

PERSONAL LIABILITY COVERAGE FMHGL-9 This endorsement changes the Commercial Liability Ed 1.0 Coverage provided by this policy Page 1 of 7 -- PLEASE READ THIS CAREFULLY -- PERSONAL LIABILITY COVERAGE (The information required below

More information

MASSACHUSETTS PROPERTY INSURANCE

MASSACHUSETTS PROPERTY INSURANCE MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION Two Center Plaza Boston, Massachusetts 02108-1904 (617)723-3800, (800)851-8978, FAX (617)557-5675 January 5, 2015 To: Re: All Massachusetts Producers

More information

Safety Property and Casualty Insurance Company SAFETY CONDOMINIUM UNIT-OWNERS EDGE ENHANCEMENT ENDORSEMENT SEE 014 04 08

Safety Property and Casualty Insurance Company SAFETY CONDOMINIUM UNIT-OWNERS EDGE ENHANCEMENT ENDORSEMENT SEE 014 04 08 For an additional premium, we will provide the following: SECTION I PROPERTY COVERAGE Perils Insured Against Coverage A Safety Property and Casualty Insurance Company SAFETY CONDOMINIUM UNIT-OWNERS EDGE

More information

FARM PROPERTY FARM DWELLINGS, APPURTENANT STRUCTURES AND HOUSEHOLD PERSONAL PROPERTY COVERAGE FORM

FARM PROPERTY FARM DWELLINGS, APPURTENANT STRUCTURES AND HOUSEHOLD PERSONAL PROPERTY COVERAGE FORM FARM FP 00 12 01 98 FARM PROPERTY FARM DWELLINGS, APPURTENANT STRUCTURES AND HOUSEHOLD PERSONAL PROPERTY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully

More information

Wilshire Insurance Company

Wilshire Insurance Company Wilshire Insurance Company ARIZONA MOBILE HOMEOWNERS (HO-3) PROGRAM OWNER OCCUPIED AND SEASONAL PROGRAM P. O. Box 30527 Phoenix, AZ 85046 (602) 494-6900 FAX: (602) 494-6999 www.statewide-insurance.com

More information

Rental Dwelling Policy Comparison

Rental Dwelling Policy Comparison Rental Dwelling Policy Comparison Coverage under the attached renewal policy is provided on our new Rental Dwelling Policy form DH 25-05 (01-97). As a result of this certain areas of coverage are broader

More information

Condominium Unitowners Insurance

Condominium Unitowners Insurance Condominium Unitowners Insurance Coverage that fits your lifestyle Your condominium (condo) association may include insurance for the building s structure, but covering your unit and personal possessions

More information

CONDOMINIUM INSURANCE CONSIDERATIONS OWNER-OCCUPANT AND OWNER WHO RENTS OUT

CONDOMINIUM INSURANCE CONSIDERATIONS OWNER-OCCUPANT AND OWNER WHO RENTS OUT 1 CONDOMINIUM INSURANCE CONSIDERATIONS OWNER-OCCUPANT AND OWNER WHO RENTS OUT BY: ROY L. KAUFMANN CLAUDIO SAYAN LAZARTE 1 OF JACKSON & CAMPBELL, P.C. While the need for casualty and other insurance in

More information

Personal and Business Property Table of Contents. Chapter One: Property Insurance Terms and Concepts 9-13

Personal and Business Property Table of Contents. Chapter One: Property Insurance Terms and Concepts 9-13 Personal and Business Property Table of Contents Chapter One: Property Insurance Terms and Concepts 9-13 Insurance Insurable Interest Risk Hazard Peril Loss Proximate Cause Deductible Indemnity Actual

More information

A CONSUMER'S GUIDE TO RENTER S INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO RENTER S INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO RENTER S INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of Insurance

More information

HOME INSURANCE NEVADA CONSUMER S GUIDE

HOME INSURANCE NEVADA CONSUMER S GUIDE HOME INSURANCE NEVADA CONSUMER S GUIDE State of Nevada Department of Business and Industry DIVISION OF INSURANCE Scott J. Kipper, Commissioner Brian Sandoval, Governor Bruce H. Breslow, Director Published:

More information

Why Recommend Fireman s Fund - Prestige Home Product. Personal Insurance Features and Benefits

Why Recommend Fireman s Fund - Prestige Home Product. Personal Insurance Features and Benefits Why Recommend Fireman s Fund - Prestige Home Product Personal Insurance Features and Benefits Fireman s Fund Personal Insurance Who We Are Our priorities Deliver customized, innovative products and services.

More information

Businessowners Coverage

Businessowners Coverage Businessowners Coverage BUILDING AND/OR BUSINESS PERSONAL PROPERTY COVERAGES Buildings Covers your described building, outdoor fixtures (e.g., light poles and flag poles), building glass, permanently installed

More information

LEXINGTON INSURANCE COMPANY

LEXINGTON INSURANCE COMPANY LEXINGTON INSURANCE COMPANY HO3 UNDERWRITING GUIDELINES September 2011 RISK CRITERIA HO3 Minimum Limit - $500,000 in all Coastal Counties and Portion of Harris County. Minimum Limit - $150,000 in all other

More information

Refer to Premium Section of this manual.

Refer to Premium Section of this manual. General Rules HOMEOWNERS POLICY PROGRAM The Homeowners Policy Program provides property and liability coverages, using the forms and endorsements specified in this manual. This manual contains the rules

More information

How to Determine How Much Homeowners Insurance You Need

How to Determine How Much Homeowners Insurance You Need How to Determine How Much Homeowners Insurance You Need You need enough insurance to cover the following: 1. The structure of your home. 2. Your personal possessions. 3. The cost of additional living expenses

More information

Dwelling & Homeowners. Dwelling & Homeowners

Dwelling & Homeowners. Dwelling & Homeowners Dwelling & Homeowners Dwelling & Homeowners 1.0 TEXAS DWELLING POLICY (TEXAS FORMS) 1.1 Characteristics and Purpose 1.2 Courage forms Perils Insured against Texas Dwelling Policy (TDP) Form 1 Texas Dwelling

More information

High Value Homeowners Policy

High Value Homeowners Policy High Value Homeowners Policy Renewal Declarations Your Agent ABC Agency 123 Main Street White Plains, NY 10601 888-813-7873 14673900 Your Declarations summarizes your coverage and premium. Please read

More information

FORM TITLE FORM NUMBER EDITION RFC # PAGE(S)

FORM TITLE FORM NUMBER EDITION RFC # PAGE(S) COMPANY: Travelers Home & Marine Insurance Company (27998) LINE OF BUSINESS: Homeowners STATE: Georgia CREATION DATE: 3/22/2010 FORM TITLE FORM NUMBER EDITION RFC # PAGE(S) Actual Cash Value Loss Settlement

More information

CONDO insurance. protecting your dreams

CONDO insurance. protecting your dreams CONDO insurance protecting your dreams Home is more than where you live. It s how you live. Think of how your personal possessions turn the space you own into a place that s uniquely yours. Now consider

More information

TOI: 04.0 Homeowners Sub-TOI: 04.0000 Homeowners Sub-TOI Combinations

TOI: 04.0 Homeowners Sub-TOI: 04.0000 Homeowners Sub-TOI Combinations SERFF Tracking Number: AMMA-127205413 State: New Hampshire Filing Company: Amica Mutual Insurance Company State Tracking Number: Company Tracking Number: NH-H-11-3-HPP TOI: 04.0 Homeowners Sub-TOI: 04.0000

More information

PREFERRED PERSONAL LINES ACCESS PROGRAM. MetLife Auto & Home Personal Lines Program

PREFERRED PERSONAL LINES ACCESS PROGRAM. MetLife Auto & Home Personal Lines Program PREFERRED PERSONAL LINES ACCESS PROGRAM MetLife Auto & Home Personal Lines Program MetLife Auto & Home Some background on MetLife: In business for 141 years Fortune 500 Company MetLife Auto & Home - A.M.

More information

TEXAS HOMEOWNERS LIABILITY COMPARISON

TEXAS HOMEOWNERS LIABILITY COMPARISON DEFINITIONS Business Includes trade, profession or occupation An activity engaged in on a full-time, part-time or occasional basis for compensation, except: (1) activities for which no insured receives

More information

A Consumer s Guide to Homeowners Insurance

A Consumer s Guide to Homeowners Insurance A Consumer s Guide to Homeowners Insurance This brochure was developed through the combined efforts of: Illinois Insurance Hotline 1-800-444-3338 Illinois Department of Insurance University of Illinois

More information

PERSONAL LIABILITY COVERAGE

PERSONAL LIABILITY COVERAGE This endorsement changes the Commercial Liability Coverage provided by this policy Page 1 of 6 -- PLEASE READ THIS CAREFULLY -- PERSONAL LIABILITY COVERAGE (The information required below may be shown

More information

Pennsylvania Homeowners Policy. Users Guide

Pennsylvania Homeowners Policy. Users Guide Pennsylvania Homeowners Policy Users Guide UNDERWRITING GUIDELINES Merchants Preferred Insurance Company RISK CHARACTERISTICS HOMEOWNER PROGRAM PREMIER RESIDENCE PROGRAM Ineligible Risks The following

More information

FREMONT MUTUAL INSURANCE COMPANY

FREMONT MUTUAL INSURANCE COMPANY PUM Page No. INDEX 1 Application 1 Binding Authority 2 Commercial Exposures 1 Coverage 1 Definitions 5 Discounts 2 Ineligible Risks 1 Introduction 2 Limits Available 3 Minimum Limits of Underlying Insurance

More information

2011 Changes in the ISO Homeowners Program

2011 Changes in the ISO Homeowners Program 2011 Changes in the ISO Homeowners Program Presented by Ted A. Kinney, CIC CPCU ARM AU AAM AAI AINS CPIA CRIS Kinney Training & Consulting, LLC Columbus, OH 1 Ted A. Kinney, CIC CPCU ARM AU AAM AAI AINS

More information

HOMEOWNERS G-PAK POLICY PROGRAM

HOMEOWNERS G-PAK POLICY PROGRAM HOMEOWNERS G-PAK POLICY PROGRAM POLICY FORMS AND DESCRIPTION OF COVERAGE... 3.3 ELIGIBILITY... 3.3 APPLICATION GUIDELINES... 3.5 PROPERTY COVERAGES - SECTION I... 3.5 LIMITS OF LIABILITY... 3.5 DEDUCTIBLES...

More information

condo insurance protecting your dreams

condo insurance protecting your dreams condo insurance protecting your dreams Home is more than where you live. it s how you live. Now you need to protect it. Think of how your personal possessions turn the space you own into a place that s

More information

announces the Special Personal Property Coverage Endorsement & Additional 50% Coverage A Option

announces the Special Personal Property Coverage Endorsement & Additional 50% Coverage A Option announces the Special Personal Property Coverage Endorsement & Additional 50% Coverage A Option Narragansett Bay Insurance Company ( NBIC ) is pleased to announce two product enhancements: the Special

More information

Homeowners Advantage 5 PERSONAL INSURANCE. The protection you need at a price you can afford

Homeowners Advantage 5 PERSONAL INSURANCE. The protection you need at a price you can afford Homeowners Advantage 5 PERSONAL INSURANCE The protection you need at a price you can afford More Coverages Built In... Fewer Costs Added On You don t like to think about the bad things that could happen

More information

MAPFRE INSURANCE COMPANY PERSONAL HOMEOWNERS RATE/RULE MANUAL

MAPFRE INSURANCE COMPANY PERSONAL HOMEOWNERS RATE/RULE MANUAL MAPFRE INSURANCE COMPANY PERSONAL HOMEOWNERS RATE/RULE MANUAL Final Version July, 2011 Edition MAPFRE Insurance Co. Includes copyrighted material of Insurance Services Office, with its permission Page

More information

Amended Date of New & Revised Material Updates. How To Reach Us

Amended Date of New & Revised Material Updates. How To Reach Us Oregon Dwelling Fire Product Guide What s New Amended Date of New & Revised Material Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Marketing

More information

HOMEOWNERS HO 00 03 04 91 AGREEMENT

HOMEOWNERS HO 00 03 04 91 AGREEMENT HOMEOWNERS HO 00 03 04 91 S HOMEOWNERS 3 SPECIAL FORM AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy.

More information

MONARCH GOLD COVERAGE ENDORSEMENT WITH WATER DAMAGE EXCLUSION

MONARCH GOLD COVERAGE ENDORSEMENT WITH WATER DAMAGE EXCLUSION DEFINITIONS THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MONARCH GOLD COVERAGE ENDORSEMENT WITH WATER DAMAGE EXCLUSION With respect to the provisions of this endorsement only, the following

More information

Ask Mike # 2011-11. ISO s Comment: Could be a broadening or reduction of coverage, depending on applicable deductibles.

Ask Mike # 2011-11. ISO s Comment: Could be a broadening or reduction of coverage, depending on applicable deductibles. Ask Mike # 2011-11 Subject: ISO s New HO-2011 Program in Louisiana Q. We ve been hearing bits and pieces of news about ISO having a new Homeowners Program. Any ideas on the major changes, and do you know

More information

OHIO FAIR PLAN UNDERWRITING ASSOCIATION UNDERWRITING GUIDELINES

OHIO FAIR PLAN UNDERWRITING ASSOCIATION UNDERWRITING GUIDELINES OHIO FAIR PLAN UNDERWRITING ASSOCIATION UNDERWRITING GUIDELINES 2500 Corporate Exchange Dr Suite 250 Columbus OH 43231 614-839-6446 Table of Contents Basic Information 3 Homeowners 8 Coverage 5 Homeowners

More information

Consumer Guide to Manufactured-Homeowners Insurance North Carolina Department of Insurance

Consumer Guide to Manufactured-Homeowners Insurance North Carolina Department of Insurance Consumer Guide to Manufactured-Homeowners Insurance North Carolina Department of Insurance Wayne Goodwin, Insurance Commissioner A Message from the Commissioner The North Carolina Department of Insurance

More information

SPECIAL HOME DWELLING COVERAGE

SPECIAL HOME DWELLING COVERAGE Special Form-RC THIS IS A LEGAL CONTRACT FMH-2003 Ed. 1.0 -- PLEASE READ THIS CAREFULLY -- Page 1 of 10 SPECIAL HOME DWELLING COVERAGE The following Table of Contents shows how this Dwelling Coverage is

More information

Homeowners insurance. protecting your dreams

Homeowners insurance. protecting your dreams Homeowners insurance protecting your dreams Your Home is A Dream Come True You ve worked hard for your home. It is a reflection of you and it may serve as the launch pad for your dreams. It s a special

More information

A Massachusetts Guide to Understanding the Insurance Policy Covering Your Home

A Massachusetts Guide to Understanding the Insurance Policy Covering Your Home A Massachusetts Guide to Understanding the Insurance Policy Covering Your Home DEVAL L. PATRICK GOVERNOR DANIEL O CONNELL SECRETARY OF HOUSING AND ECONOMIC DEVELOPMENT DANIEL C. CRANE DIRECTOR OF THE OFFICE

More information

Insuring Your Farm... The Basics of Property & Liability Coverage. A Publication of the Maine Bureau of Insurance

Insuring Your Farm... The Basics of Property & Liability Coverage. A Publication of the Maine Bureau of Insurance Maine Bureau of Insurance 34 State House Station Augusta ME 04333 Insuring Your Farm... The Basics of Property & Liability Coverage A Publication of the Maine Bureau of Insurance Table of Contents The

More information

LIABILITY COVERAGE SECTION PRINCIPAL LIABILITY AND MEDICAL PAYMENTS COVERAGES

LIABILITY COVERAGE SECTION PRINCIPAL LIABILITY AND MEDICAL PAYMENTS COVERAGES ML-9 Ed. 1/87 LIABILITY COVERAGE SECTION PRINCIPAL LIABILITY AND MEDICAL PAYMENTS COVERAGES Coverage L-Personal Liability We pay, up to our limit of liability, all sums for which any insured is legally

More information

To serve you best... THIS POLICY IS NON ASSESSABLE

To serve you best... THIS POLICY IS NON ASSESSABLE To serve you best... Liberty Mutual has over 350 service offices throughout the United States and Canada. Please contact your service office shown on your Declarations Page to report losses, or for any

More information

belongings? It may surprise you to know that the average renter purchases approximately

belongings? It may surprise you to know that the average renter purchases approximately Renters Insurance State Farm coverage for just pennies a day belongings? It may surprise you to know that the average renter purchases approximately own if something should happen? With a State Farm Renters

More information

BASIC DWELLING PROPERTY FORM EXCLUDING THEFT

BASIC DWELLING PROPERTY FORM EXCLUDING THEFT -- READ THIS ENTIRE POLICY CAREFULLY -- FMH-1002 Ed 2.0 THIS IS A LEGAL CONTRACT Page 1 of 7 BASIC DWELLING PROPERTY FORM EXCLUDING THEFT The following Table of Contents shows how the policy is organized.

More information

To serve you best... THIS POLICY IS NON ASSESSABLE

To serve you best... THIS POLICY IS NON ASSESSABLE To serve you best... Liberty Mutual has over 350 service offices throughout the United States and Canada. Please contact your service office shown on your Declarations Page to report losses, or for any

More information

LIABILITY COVERAGE SECTION-FARM

LIABILITY COVERAGE SECTION-FARM ML-10 Ed. 1/87 LIABILITY COVERAGE SECTION-FARM DEFINITIONS-The following additional definitions apply to the Liability Coverage Section. 1. Farming means the ownership, maintenance or use of premises for

More information

Businessowners P olicy (BOP)

Businessowners P olicy (BOP) 8 Businessowners P olicy (BOP) O h i o P r o p e r t y a n d C a s u a l t y I n s u r a n c e Businessowners Policy (BOP) Insurance companies have identified the six types of businesses that have been

More information

AMERICAN RELIABLE INSURANCE COMPANY ENHANCEMENT COVERAGE PREFERRED MHO-3 PROGRAM

AMERICAN RELIABLE INSURANCE COMPANY ENHANCEMENT COVERAGE PREFERRED MHO-3 PROGRAM ENHANCEMENT COVERAGE PREFERRED MHO-3 PROGRAM In consideration of the additional premium at which this policy was written, your policy is changed as follows: The section titled, "Personal Property - Special

More information

DWELLING POLICY. Advisory Notice to Policyholders Pennsylvania IMPORTANT INFORMATION ABOUT YOUR RENEWAL

DWELLING POLICY. Advisory Notice to Policyholders Pennsylvania IMPORTANT INFORMATION ABOUT YOUR RENEWAL DWELLING POLICY Advisory Notice to Policyholders Pennsylvania IMPORTANT INFORMATION ABOUT YOUR RENEWAL TRANSFER OF YOUR POLICY TO ANOTHER FORM CHANGES TO YOUR COVERAGE, PREMIUM AND DEDUCTIBLE THIS NOTICE

More information