ISO HOMEOWNERS OPTIONAL COVERAGE ENDORSEMENTS CHECKLIST
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1 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. ISO Homeowners Exposure Analysis Checklist Brochure; Understanding the Homeowners Policy. Place a checkmark beside any endorsement you recommend be included. HO Transition Endorsement HO Transition Endorsement HO Transition Endorsement HO Transition Endorsement HO Transition Endorsement HO Transition Endorsement HO Windstorm or Hail Percentage Deductible HO Hurricane Deductible HO Additional Interests Residence Premises
2 HO Additional Limits Of Liability for A, B, C, and D HO Increased Limits on Business Property HO Sections I and II Exclusions for Computer-Related Damage or Injury HO Special Computer Coverage HO Section II Limited Coverage for Year 2000 Computer Related and Other Electronic Problems HO Premises Alarm or Fire Protection System HO Deferred Premium Payment HO Specified Additional Amount of Insurance for Coverage A Dwelling HO Limited Fungi, Wet or Dry Rot, or Bacteria Coverage HO Limited Fungi, Wet or Dry Rot, or Bacteria Coverage HO Limited Fungi, Wet or Dry Rot, or Bacteria Coverage HO Theft Coverage Increase HO Supplemental Loss Assessment Coverage HO Loss Assessment Coverage for Earthquake HO Structures Rented to Others (Residence Premises) HO Additional Insured (Residence Premises) HO Office, Permitted Incidental Occupancies (Residence Premises) Premises HO Replacement Cost Loss Settlement for Certain Non-Building Structures On the Residence HO Inflation Guard HO Other Structures on the Residence Premises HO Building Additions and Alterations (Other Residence) HO Personal Property at Other Residences
3 HO Building Additions and Alterations HO Livestock Collision Coverage Coverage HO Credit Card, Electronic Fund Transfer Card, or Access Device Forgery and Counterfeit Money HO Earthquake HO Identity Fraud Expense Coverage HO Special Loss Settlement HO Other Members of Your Household HO Assisted Living Care Coverage HO Scheduled Personal Property Endorsement (With Agreed Value Loss Settlement) HO Scheduled Personal Property Endorsement HO Scheduled Personal Property Copy of Page 1 of HO HO Coverage C Increased Special Limits of Liability HO Coverage C Increased Special Limits of Liability Endorsement HO Ordinance or Law Coverage HO Multiple Company Insurance HO Actual Cash Value Loss Settlement HO Fire Department Clause HO Personal Property Replacement Cost HO Coverage B Off Premises HO Specific Structures Away from the Residence Premises HO Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing HO Windstorm or Hail Exclusion
4 HO Water Backup and Sump Discharge or Overflow HO No Section II Liability For Home Day Care Business Limited Section I Property For Home Day Care Business HO Home Day Care Coverage HO Refrigerated Property Coverage HO Sinkhole Collapse HO Special Personal Property Coverage HO Additional Insured Student Living Away From the Residence Premises HO Owned Motorized Golf Cart Physical Loss Coverage HO Functional Replacement Cost Loss Settlement HO Modified Functional Replacement Cost Loss Settlement HO Extended Theft Coverage for Residence Premises Occasionally Rented To Others HO Landlord's furnishings HO Property Remediation For Escaped Liquid Fuel & Limited Lead& Escaped Liquid Fuel Liability HO Property Remediation for Escaped Liquid Fuel & Limited Lead & Escaped Liquid Fuel Liability HO Property Remediation for Escaped Liquid Fuel and Limited Lead and Escaped Liquid Fuel Liability HO Property Remediation for Escaped Liquid Fuel and Limited Lead and Escaped Liquid Fuel Liability Form HO Only HO Property Remediation for Escaped Liquid Fuel and Limited Lead and Escaped Liquid Fuel Liability Form HO Only HO Rating Information For Property Remediation For Escaped Liquid Fuel & Limited Lead & Escaped Liquid Fuel Liability HO Property Remediation For Escaped Liquid Fuel & Limited Lead & Escaped Liquid Fuel Liability
5 HO Property Remediation For Escaped Liquid Fuel & Limited Lead & Escaped Liquid Fuel Liability HO Property Remediation For Escaped Liquid Fuel & Limited Lead & Escaped Liquid Fuel Liability HO Limited Coverage for Theft of Personal Property Located In A Dwelling Under Construction HO Increased Amount of Insurance for Personal Property Located In a Self-Storage Facility HO Trust Endorsement HO Green Upgrades Coverage HO Mechanical Breakdown Coverage HO Home Business Insurance Coverage HO Additional Insured Managers or Lessors of Premises Leased To An Insured HO Additional Vendors HO Loss Payable Provisions HO Exclusions Personal and Advertising Injury HO Liquor Liability Exclusion and Exception for Scheduled Activities HO Special Coverage Spoilage of Perishable Stock HO Valuable Papers and Records Coverage Increased Limits HO Special Coverage for Valuable Papers and Records HO Sections I and II Exclusions for Computer-Related Damage Or Injury Problems HO Sections I and II Limited Coverage for Year 2000 Computer-Related And Other Electronic HO Change Endorsement HO Homeowners Rating Information
6 HO Unit-Owner's Coverage C Special Coverage Form HO Unit-Owners Coverage A Special Coverage Form HO Unit-Owners Rental to Others Endorsement HO Personal Injury Coverage (Aggregate Limit of Liability) HO Incidental Low Power Recreational Motor Vehicles HO Permitted Incidental Occupancies (Other Residence) HO Owned Snowmobile HO Additional Residence Rented to Others 1, 2, 3 or 4 Families HO Business Pursuits HO Incidental Farming Personal Liability HO Farmers Personal Liability HO Watercraft HO Canine Liability Exclusion Endorsement HO Personal Injury HO Exclusion of Farm Employees Illegally Employed
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