AAIS HOMEOWNERS COVERAGE ENDORSEMENTS

(May 2024)

Purpose

The AAIS Homeowner program rests upon the foundation of several base policy forms. They handle a variety of residential property ownership situations including apartments, condominiums, townhomes, some mobile home situations, and single-family housing. Their program is also flexible enough to handle such residences that contain minor farming exposures.

Use of base forms facilitates program/coverage updates and even makes a total program revision easier to implement and less disruptive since different companies may choose to remain loyal to different program editions. Use of base policies also reduces the chance that changes to a particular area will affect the entire Homeowner program.

The AAIS optional endorsements are valuable for addressing certain exposures unmet by a base homeowner contract. As these endorsements provide additional coverage, they typically require additional premium.

The AAIS form’s numbering consists of two letters (primarily HO for this line of business), followed by a four-digit form number, then the form's edition date, expressed as mm yy.

Coverage Analysis

Note: The various endorsements are presented in order of the American Association of Insurance Services’ form numbers.

Booklet Forms

HO 0001–Basic Form

Related Article: AAIS Basic Form Homeowners Analysis

HO 0002–Broad Form

HO 0003–Special Form

Related Article: AAIS Special Form Homeowners Analysis

HO 0004–Contents Broad Form

HO 0005–Special Building and Contents Form

HO 0006–Unit-Owners Form

HO 0008–Limited Form

Mandatory Endorsements

Note: These forms are listed in numerical order, followed by their form title. They must be attached to every policy.

HO 1300–Asbestos Exclusion

This endorsement prohibits coverage for bodily injury or property damage liability claims that are connected to exposure to any form of asbestos. The bar against coverage also extends to asbestos-related personal injury claims IF the underlying policy otherwise responds to personal injury losses.

* HO 1301–Amendment of Policy Terms – Form HO 0001

This endorsement addresses hydrofracking and cyber bullying along with other important changes.

* HO 1302–Amendment of Policy Terms – Form HO 0002

This endorsement addresses hydrofracking and cyber bullying along with other important changes.

* HO 1303–Amendment of Policy Terms – Form HO 0003

This endorsement addresses hydrofracking and cyber bullying along with other important changes.

* HO 1304–Amendment of Policy Terms – Form HO 0004

This endorsement addresses hydrofracking and cyber bullying along with other important changes.

* HO 1305–Amendment of Policy Terms – Form HO 0005

This endorsement addresses hydrofracking and cyber bullying along with other important changes.

* HO 1306–Amendment of Policy Terms – Form HO 0006

This endorsement addresses hydrofracking and cyber bullying along with other important changes.

* HO 1308–Amendment of Policy Terms – Form HO 0008

This endorsement addresses hydrofracking and cyber bullying along with other important changes.

* Editor’s Note: Forms HO 1301 through HO 1308 are covered in more detail in a separate discussion.
Related Article: AAIS Amendment of Policy Terms Endorsements

HO 1323–Liability Exclusions - Lead

This endorsement is an additional exclusion that applies to Coverage L, Personal Liability and Coverage M, Medical Payments to Others. It excludes coverage for any bodily injury, or property damage due to exposure to lead. The exclusion extends to any costs or expenses involved in treating, testing, or monitoring property for lead exposure. Further, coverage is barred for any claim or suit filed by any government authority that is related to damages created by an exposure to lead.

HO 1335–Liability Exclusions - Pollutants, Bacteria, Fungi, Wet Rot, and Dry Rot

This endorsement modifies the liability portion of the Homeowner program to exclude coverage for any bodily injury or property damage that is related to any loss caused by pollutants (hostile fire pollution is excepted). The exclusion extends to any costs or expenses involved in treating, testing, or monitoring property for exposure to any type of pollution. Further, coverage is barred for any claim or suit filed by any government authority that’s related either to pollution damages or to efforts to assess, monitor, or correct any exposure to pollutants. The pollution exclusion applies under both Coverages L and M.

Finally, also under Coverage L, coverage is barred for any claim or suit filed by any government authority that’s related either to bacteria (fungi and rot) damages or to efforts to assess, monitor or correct any exposure to bacteria (fungi and rot).

HO 1347–Punitive or Exemplary Damages Exclusion

This endorsement modifies the liability portion of the Homeowner program to exclude payment for punitive or exemplary awards, including any related costs or interest. Defense of such claims is provided only if the claim is part of a compensatory suit.

Optional Endorsements

HO 2001–Exclusion - Injury Arising Out of a Canine

This form allows an insurer to write an HO policy that includes what it deems an unacceptable liability exposure to a dog-related loss. The form must be signed by the named insured and it requires a description of the excluded animal. The form applies to the described animal, whether owned or in the custody of the insured household.

HO 2002–Cosmetic Damage Exclusion – Exterior Wall Surfacing, Roof Surfacing, and/or Exterior Door and Window Surfacing

(Used with all basic HO forms except HO 0008)

This provides the option to customize building protection. Specifically, it can be used to exclude protection for cosmetic (minor) damage caused by wind or hail to the exterior surfaces of walls, roofs and/or doors/windows. Any, all, or a combination of the three options may be selected.

The form adds the defined terms of “cosmetic damage,” “exterior wall surfacing,” “roof surfacing,” “exterior door surfacing” and “exterior window surfacing.”

HO 2003–Exclusion – You Live at a Location Other Than the Described Location

This form terminates coverage for a named insured once that named insured has lived at least 61 days at a location that is different than the policy’s described location. The exclusion does not apply to temporary situations. However, “temporary” is not defined.

HO 2089–Limited Bacteria, Fungi, Wet Rot or Dry Rot Coverage

This is an option that creates a modest amount of protection against mold and rot damage. It adds incidental property coverage, as well as a limited amount of insurance under Coverage L. The incidental coverage works by deleting the applicability of the basic (unendorsed) policy's exclusion against fungi, rot, and bacteria loss. An insured may select a limit for both the incidental property and the Coverage L extension. The liability amount is a sub-limit and is also an annual aggregate.

HO 2530–Incidental Property Coverages - Higher Limits

This form may be purchased in order to increase the coverage provided by the basic policy’s Incidental Property Coverages. Limits may be increased for Fire Department Service Charge, Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money, Refrigerated Property, and Tenants’ Improvements and Association Deductible.

HO 2542–Theft Coverage Increase

(Use with HO 0008)

This is an option that adds additional theft protection, (both on- and off-premises) to the severely modest amount of coverage provided by the base (unendorsed) HO 0008, Limited Form. The form adds theft coverage in the amount shown in the form’s schedule. It also adds theft protection equal to the Coverage C Property Limitations (for theft) that is found in the HO Program’s other base forms.

HO 2550–Loss Assessment Coverage

(Use with all forms except HO 0008)

The basic amount ($1,500) of coverage for loss assessments may be increased by this form. The form must list the additional amount and total limit of loss assessment coverage. However, coverage is limited to $1,500 for assessments that are made due to the insured’s association’s insurance deductible.

HO 2557–Increased Cost - Ordinance or Law - Increased Limit of Coverage

(Use with all forms except HO 0008)

This endorsement replaces the basic property policy’s incidental coverage for Increased Cost—Ordinance or Law. Instead of limiting coverage for cost increases due to a law or ordinance to 10% of the Coverage A limit, the insured may select a percentage to cover this source of increased expense.

HO 2565–Coverage C - Higher Limits on Certain Property

(Use with all forms except HO 0008)

HO 2581–Property in Rental units - Increased Limits

(Use with HO 0001, HO 0002, HO 0003, HO 0005)

This form permits one or more rental locations to be described on the form along with additional, separate limits of coverage selected (and charged) for an insured’s personal property contained in those locations. The limits appearing on the form represent amounts that apply separately to the applicable property and do not, otherwise, affect the base form’s Coverage C Limit.

HO 2584–Automatic Adjustment of Limits

(Use with HO 0001, HO 0002, HO 0003, HO 0005)

Allows an insured to select an annual percent increase to be applied to the limits of insurance for Coverages A, B, C and D. Note that the annual impact is accurate because the increase is pro-rated over the policy period.

HO 2701–Association Deductible Coverage - Earthquake

(Use with all forms except HO 0008)

This form adds Incidental Property Coverage for association deductibles that are due to earthquake. The limit is per location but is subject to the amount actually assessed against the insured by the association to pay for the earthquake deductible on the association’s earthquake policy. The insured must pay a percentage deductible as indicated on the schedule but no less than $250.

HO 2702–Equipment Breakdown Coverage

Coverage is provided for mechanical or electrical breakdown of property covered under Coverages A and B that generates transits or utilizes energy up to the limit shown in the schedule. Covered equipment does not include kitchen and laundry equipment or electronic computer or electronic equipment.

Coverage can include additional living costs and loss of rent and refrigerated property if a limit is indicated in the schedule for the desired coverage.

HO 2703–Equipment Breakdown Coverage - Include Permanently Installed Appliances

This endorsement is the same as HO 2702 described above except that permanently installed kitchen or laundry appliances are covered.

HO 2708–Water Back Up and Sump Discharge or Overflow

Modifies a basic policy to allow coverage for losses to the dwelling, related private structures or personal property caused by water that either backs up from a sewer or drain or which overflows from a sump, sump pump or a similar system. A limit and deductible must be entered on the endorsement schedule.

HO 2721–Accidental Discharge or Overflow Coverage - Liquid-Filled Furniture

(Use with all forms except HO 0008)

This property endorsement provides coverage for covered property that is damaged when liquid-filled furniture accidentally and suddenly releases the liquid. There is no coverage for the liquid-filled furniture itself. Also, if the release was gradual or caused by freezing because the insured had not been responsible in maintaining heat or emptying the furniture, there is no coverage.

HO 2722–Residence under Construction - Theft

(Use with HO 0001, HO 0002, HO 0003, HO 0005)

This endorsement broadens coverage under the policy to add protection for losses due to theft or attempted theft at a covered property that is undergoing construction. The coverage extends to materials and supplies that are intended for use in building a residence.

HO 2730–Coverage C - Personal Property - Special Coverage

(Use with only HO 0004)

This form may be used to convert the HO 0004 policy’s protection of personal property from a basic to a special coverage form. However, it further restricts payments on losses involving certain classes of property such as jewelry, guns, furs, silverware, etc. The form modifies the basic policy’s Property Coverages and Exclusions Sections.

HO 2736–Extended Theft Coverage - Described Location Occasionally Rented to Others

(Use with all forms except HO 0008)

This form modifies a homeowner policy’s provisions to accommodate certain theft losses when part of the residence premises is rented to another party. Cannot be used on a policy containing either HO 2730 or HO 7029.

HO 2753–Earthquake Loss Assessment

This form provides coverage for amounts assessed by a property association to its members for losses caused by earthquake. The loss has to involve property that is collectively owned. A percentage deductible and a specified limit apply to each assessment. However, quakes, tremors or shocks that occur within a 72-hour timeframe are defined as a single occurrence. This does not pay for an assessment due to the associations’ deductible.

HO 2754–Earthquake Coverage

(Use with all forms except HO 0008)

This form adds protection against earthquake to coverages for dwelling, related structures, and personal property. Coverage for this additional peril does not increase the limits of insurance shown in the declarations. Further, coverage for earthquake is subject to its own percentage deductible. There are a number of other limitations including exclusions for damage caused by earth movement that is not the result of an earthquake (such as mine subsidence), no coverage for the expense to fill-in land. Damage to exterior masonry veneer is not covered but can be added if scheduled.

HO 2770–Computer Coverage

(Use with all forms except HO 0008)

While this form does NOT increase the applicable Coverage C limit, it does modify the HO policy to add protection for “computer equipment,” a defined term. Computer equipment includes normal computer hardware and related software/media. Coverage is provided on a special form basis (sources of loss are covered unless specifically excluded). Exclusions include loss due to freezing, leakage, theft (during construction), humidity, wear and tear and other limitations.

HO 2786–Identity Fraud Expense

(Use with all forms except HO 0008)

The form adds its own defined terms (expenses and identity fraud). It provides coverage for certain costs that are directly related to dealing with being victimized by identity theft. Most of the recoverable costs involve the time and paperwork necessary to report identity theft to various parties such as the police, credit agencies, lenders, attorneys, retailers, etc. The form also provides limited loss of earnings coverage on a daily limit basis (subject to a modest, aggregate limit).

HO 3048–Related Private Structures - Described Location

(Use with HO 0001, HO 0002, HO 0003, HO 0005)

This optional endorsement may be added in order to increase the limit of insurance for any other structure that’s described in the policy. The amounts of coverage appearing in the endorsement (or shown elsewhere) are additional insurance for the specified structures and are in addition to the Coverage B limit.

HO 3061–Scheduled Personal Property Coverage

(Use with all forms except HO 0008)

Allows an insured to schedule (specifically list) coverage for ten classes of property that are subject to modest sub-limits under the basic dwelling policies. Note that this specific coverage REPLACES the coverage available under a basic policy. The form includes its own limits, property descriptions, coverage extensions, coverages, exclusions, territory, and coverage conditions that should be carefully reviewed – especially the loss settlement terms.

HO 3063–Scheduled Personal Property Coverage Agreed Value Loss Settlement Terms

(Use with all forms except HO 0008)

This coverage is identical to the Scheduled Personal Property Coverage provided in HO 3061 except for the Loss Settlement Terms. Agreed value is provided for some, but not all, of the scheduled property. Review the loss settlement terms carefully.

HO 3068–Scheduled Glass

(Use with HO 0001, HO 0002, HO 0003, HO 0005, HO 0006)

This endorsement provides glass breakage coverage for plate glass that is described on the form with exclusions only for Nuclear and War. A specific limit applies to this property and losses are settled on an actual cash value basis. Coverage extends to protection for the frames that surround the glass. The covered perils include breakage and damage from chemicals.

HO 3540–Related Private Structures Rented to Others

(Use with HO 0001, HO 0002, HO 0003, HO 0005, HO 0006)

This endorsement may be attached to a basic policy that includes coverage for a related private structure that is being rented or is available for rental. In order to qualify for coverage, the structure has to be shown on the form’s schedule (or elsewhere on the policy) and it must be located on the insured premises. The limit of insurance available under the policy’s Coverage B does not apply to the rented structures described in this schedule so the limit shown in the schedule is the most applicable to the scheduled structure. This endorsement also extends coverage provided by Incidental Liability Coverage for Business to include these structures.

HO 3542–Office, Professional, Private School, or Studio Occupancy - Described Location

(Use with all forms except HO 0004)

This optional endorsement can be used to add protection for a limited number of business activities operated on the insured premises. The business must be described and it may be located on the residence premises or a related private structure, which is either on or away from the insured premises. This extension is for both property and liability sections of the policy. Slightly revised to conform with the language of the ’08 edition of the HO program.

HO 3557–Care Provided for Others

(Use with HO 0001, HO 0002, HO 0003, HO 0005, HO 0006)

To qualify for coverage, the exact activity has to be described and the number of persons receiving care must be shown. The form modifies Coverage B—Related Private Structures and Coverage C—Personal Property in order to accommodate a business activity that is located in a related private structure and to cover personal property that is directly related to the permitted business. On the liability side, the form extends liability coverage by amending the policy wording for Coverage L—Personal Liability and Coverage M—Medical Payments to Others. An insured has the choice of applying the limit of insurance shown for Coverage L or selecting a separate limit as an annual aggregate.

HO 3565–Higher Limits on Certain Property Used For Business Purposes

(Use with all forms except HO 0008)

This endorsement does not increase the limit of insurance shown for Coverage C—Personal Property; rather, it increases the sub-limits provided under the Coverage C Limitations on Certain Property coverage. The form allows an insured to re-apportion how the applicable policy’s Coverage C limit applies to property used in a business.

HO 3571–Business Activities

This extends Personal Liability Coverage to losses arising from the described business activity shown on the endorsement. The form includes an option to add protection against corporal punishment.

HO 3801–Watercraft

This extends Personal Liability Coverage to include protection against liability arising from the ownership, use or operation of the described watercraft. The form excludes coverage for the following:

· renting the watercraft to other persons

· use of the watercraft to carry persons for a fee

· bodily injury suffered by a person whose employment is related to the described watercraft

· loss occurring while either preparing for or using in a race or performance contest.

HO 3828–Incidental Coverage for Motorized Vehicles (Low Power Vehicles)

(Use with all forms except HO 0008)

This form changes a homeowner policy so that it provides coverage for limited liability exposure to losses related to certain types of motorized vehicles. The types of vehicles that qualify for coverage are those that are not subject to motor vehicle registration. Further, coverage does not apply to motorized bikes, mopeds, golf carts or any vehicle that moves faster than 15 miles an hour.

Parties who have a vicarious legal responsibility for harm caused by such vehicles qualify for coverage, but only with respect to their level of liability for a given loss.

HO 3831–Scheduled Motorized Golf Cart Coverage

(Use with all forms except HO 0008)

The policy is amended to provide coverage for golf carts that are described on the form’s schedule or on the policy declarations. Golf carts are covered against damage caused by any of the sources of loss found under Coverage C—Personal Property, as well as for collision. However, NO coverage exists for golf carts that carry persons or property for pay; nor is there coverage for carts that are used in or preparing for a race or similar contest.

HO 3832–Golf Cart Liability Coverage

This form changes a homeowner policy so that it limits Incidental Liability coverage to only those golf carts specifically described in the endorsement. Therefore, the coverage is more restrictive than the basic form.

HO 3864–Snowmobile - Liability Coverage Only

This extends Personal Liability Coverage to include incidental liability protection arising from the ownership, use or operation of the described snowmobile – when used off public roads.

HO 4001–Personal Injury

This allows an insured to add coverage to a base policy for his or her liability that’s related to personal injury losses. The form includes a definition of personal injury that includes false arrest or imprisonment as well as wrongful eviction, libel, slander, and other causes of loss. However, no coverage is provided for such losses if they stem from allegations of sexual molestation or from a communicable disease. A number of other sources of loss are also excluded.

HO 4009–Waterbed Liability

(Use with only HO 0004)

This form modifies Coverage L–Personal Liability to provide protection against property damage caused by a waterbed. However, there is NO coverage for damage to the bed or any of its parts.

HO 4505–Windstorm or Hail Percentage Deductible

(Use with HO 0001, HO 0002, HO 0003, HO 0005, HO 0008)

Attaching this form to a homeowner policy modifies how deductibles apply for windstorm or hail losses. Instead, either the much larger flat deductible or the percentage deductible entered on the schedule applies. The revised deductible applies to all coverages with the exception of a number of incidental coverages.

HO 4815–Actual Cash Value

(Use with HO 0001, HO 0002, HO 0003)

This form changes a base policy’s loss settlement provision from a replacement cost to an actual cash value basis for Coverage A, Dwelling and Coverage B, Related Structures.

HO 4832–Replacement Cost Loss Settlement Terms - Certain Non-Building Structures on The Described Location

(Use with HO 0001, HO 0002, HO 0003, HO 0005)

This is an option that offers broader coverage for property that is typically considered as outdoor fixtures that, under a base policy, usually are settled on an actual cash value basis. This form allows an insured to arrange for added protection on, in specified instances, a replacement cost basis. Generally, the coverage applies to the type of expensive modifications made when homeowners invest in upgraded non-wood patios, walks, fences, walls, and driveways

HO 4835–Roof Surfacing Amendment - Actual Cash Value Terms For Windstorm or Hail Loss

(Use with HO 0001, HO 0002, HO 0003, HO 0005, HO 0006)

This is an option that subjects roof surfaces (and other, selected types of property) to loss settlement on an actual cash value basis when they are damaged or destroyed by storm winds or hail.

Note: A definition of roof surfacing is introduced that is more detailed in explaining all of the various roof items that are subject to this limitation.

HO 4836–Roof Surfacing Amendment - Actual Cash Value Terms

(Use with HO 0001, HO 0002, HO 0003, HO 0005, HO 0006)

This is an option that subjects roof surfaces (and other, related types of property) to loss settlement on an actual cash value basis when they are damaged or destroyed by eligible sources of loss.

Note: A definition of roof surfacing is introduced that is more detailed in explaining all of the various roof items that are subject to this limitation.

HO 4843–Additional Limits - Coverage A, B, C, and D

This endorsement increases the Coverage A limit to the current replacement cost of the insured residence at the time of loss if the named insured meets all conditions of the endorsement. Coverage B, C and D limits are increased by the same percentage used to increase the Coverage A limit.

HO 4844–Specified Additional Amount of Insurance - Coverage A

This endorsement increases the Coverage A limit of insurance by the percentage stated in the schedule but only if the amount of loss exceeds the stated Coverage A limit.

HO 4851–Increased Coverage A Limit - No Private Structures

(Use with HO 0001, HO 0002, HO 0003, HO 0005)

Attaching this form to a base policy allows an insured to add the insurance limit shown under Coverage B—Related Private Structures to the Coverage A—Residence insurance limit. However, this can be done only if the total replacement cost of any related private structures on the insured premises is less than $1,000 (does not include driveways, fences, sidewalks, and in-ground pools).

HO 4855–Replacement Cost Loss Settlement Terms - Personal Property

(Use with HO 0001, HO 0002, HO 0003, HO 0004, HO 0006)

Purchase of this form changes the loss settlement on personal property, appliances, window air conditioning units, carpets, awnings, jewelry, furs, photographic equipment, and a number of other items, from actual cash value to a replacement cost basis. Replacement cost coverage is not available for pieces of art, antiquity, or rarity, which may not be duplicated.

HO 4856–Modified Replacement Cost Terms

The loss settlement provision is amended to replace the standard 80% coinsurance requirement for replacement coverage with whatever percentage is entered in the schedule. All other conditions remain the same.

HO 4857–Functional Replacement Cost Loss Settlement Terms

The loss settlement provision is amended to allow a cheaper alternative for repairing or replacing damaged or destroyed property. Use of this form allows the insured to purchase a lower amount of coverage and allows the insurance company to compensate an insured by making repairs with materials that are not the quality of what has been lost but instead is a current equivalence. The insurer may also make settlement according to actual cash value. An example could be replacing plaster walls and ceilings with dry wall.

HO 6016–Additional Insured - Landlord

The definition of insured under the Personal Liability Coverage is modified to include the landlord listed on the endorsement but only with respect to the property leased from the landlord and only while the insured is living at the premises.

Note: The endorsement states that the person or organization named in the endorsement WILL be notified if the policy is canceled or non renewed.

HO 6033–Other Residents of Your Household

(Use with all forms except HO 0008)

The definition of insured is modified to include the person listed on the endorsement. This impacts Coverages C., L. and M sections of the policy which are amended in recognition of this change. The insured must notify the insurance company within 30 days of the named person no longer being subject to this endorsement.

Note: The broader definition only applies to liability arising from the actions of the listed individual while he or she is a considered to be a resident member of the named insured’s household.

HO 6034–Additional Interests - Described Location

This form permits adding up to three parties who (along with any mortgage interest appearing on the declarations) also have an insurable interest in the covered property.

Note: The endorsement states that the person or organization named in the endorsement WILL be notified if the policy is canceled or nonrenewed.

HO 6036–Additional Insured - Student Living Away from the Described Location

(Use with all forms except HO 0008)

This is option removes the requirement that a relative student must be under the age of 25 in order to be an insured under this policy while attending school and living away from the named insured’s primary location. The name and address of the student plus the name of the school must be shown.

HO 6041–Additional Insured - Described Location

(Use with all forms except HO 0004)

This form allows coverage to be extended for additional persons or organizations that have a valid interest in the property protected by the policy. The additional insured’s insurable interest is protected under Coverages A–Residence, B–Related Private Structures, L–Personal Liability and M–Medical Payments.

Note: The endorsement states that the person or organization named in the endorsement WILL be notified if the policy is canceled or nonrenewed.

HO 6072–Additional Insured - Coverages A, B, C, L and M

(Use with all forms except HO 0004)

This form allows coverage to be extended for additional persons or organizations that have a valid interest in the property protected by the policy. The additional insured’s insurable interest is protected under Coverages A—Residence, B—Related Private Structures, C—Personal Property, L—Personal Liability and M—Medical Payments.

Note: The endorsement states that the person or organization named in the endorsement WILL be notified if the policy is canceled or nonrenewed.

HO 6217–Related Private Structures - Away From the Described Location

(Use with HO 0001, HO 0002, HO 0003, HO 0005)

This form allows an insured to cover additional private structures that are at other locations. The structures cannot be used as a residence or for business purposes. The insurance limit shown on the declarations for Coverage B—Related Private Structures applies and settlement is based on actual cash value.

HO 6218–Scheduled Related Private Structures - Away From the Described Location

(Use with HO 0001, HO 0002, HO 0003, HO 0005, HO 0006)

This form allows an insured to list additional locations for protection under the policy’s related private structures coverage. The structures cannot be used as a residence or for business purposes. A separate insurance limit is shown for each scheduled private structures.

HO 6220–Association Deductible Coverage - Additional Locations

(Use with all forms except HO 0008)

This endorsement allows the insured to specifically schedule a limit for Incidental Property Association Deductible Coverage rather than use the automatic limit of $1,500. This endorsement does not extend to cover an earthquake or volcanic eruption deductible.

HO 6235–Coverage for Resident of Assisted Living Facility

HO 6243–Office, Professional, Private School, or Studio Occupancy - Other Residence

This optional endorsement can be used to extend liability protection for a limited number of business activities operated at the residential location described on the form.

HO 6245–Tenants’ Improvements - Other Residence

(Use with all forms except HO 0008)

This form provides limited property coverage for permanent improvements that an insured, as a tenant, has made at the specified resident location.

HO 6266–Coverage C - Higher Limit At Other Residence

(Use with all forms except HO 0008)

This option allows an insured to schedule (list) one or more additional locations and specify higher, separate limits of coverage for personal property contained in each residence.

HO 6267–Other Residence Coverage

This optional form allows an insured to add an additional residence for coverage under a single policy. The form includes information for complete rating of the structure and limits may be shown for Coverages A, B, C and D.

HO 6270–Additional Residence Premises Rented to Others - Liability Coverage Only

An insured may use this form to add liability coverage for up to five additional residences that an insured rents to other persons. The form extends protection under both Coverage L—Personal Liability and Coverage M—Medical Payments to Others. The location and number of families must be included on the form (or on the policy declarations).

HO 6516–Protective Devices

This endorsement acknowledges that the policy’s premium reflects a credit granted for an alarm system, sprinkler system or similar protective device. It also obligates the named insured to maintain the system and to tell the insurer if the system is removed or if it no longer works. This is a warranty and coverage will be voided if the conditions of the endorsement are not met.

HO 6544–Change Endorsement

This form is used merely to instruct the insurer to make coverage changes, including premium and payment changes.

HO 6576–Rating Information

This endorsement is a separate form that allows the complete rating of a personal residence on base coverage Forms 0001, 0002, 0003, 0004, 0005, 0006, or 0008. It contains all of the rating information that is typically included on a homeowner or personal liability insurance application. The form requires that the applicant identify any special circumstances such as the existence of any business activity, whether the submission includes any domestic employees or business activities, whether there is any watercraft liability and similar items.

HO 6578–Insurance by More Than One Company

This endorsement acknowledges that more than one company provides coverage to the insured’s property. The form indicates the total existing coverage for Coverages A through D and obligates the insurer to provide a specified percentage of the total shown in the form (or elsewhere). There is also space on the form to identify the policy that provides the liability coverage to the insured.

HO 6581–Premium Payments

This is merely a notification to the insured that the insurance premium is:

· payable annually,

· based upon the rates which are current at the time of the policy’s anniversary, and

· subject to the current forms and endorsements.

HO 6820–Private Fire Protection Condition

This form affirms that, for a named insured whose covered residence is served by a private (rather than public) source of fire-fighting protection, the named insured agrees to maintain that service throughout the life of the HO coverage. This is a warranty and coverage will be voided if the conditions of the endorsement are not met.

HO 7029–Unit-Owners Coverage C - Special Coverage

(Use with only HO 0006)

This form may be used to convert the personal property coverage from a basic to a special coverage form. There are restrictions on payments for losses involving certain classes of property such as jewelry, guns, furs, silverware, etc. The form modifies the basic policy’s Property Coverages and Exclusions Sections.

HO 7032–Unit-Owners Coverage A - Special Coverage

(Use with only HO 0006)

This form may be used to convert Coverage A from basic to a special coverage form. It replaces the basic policy’s Perils Insured Against Section. However, the basic policy’s section, Exclusions That Apply to Property Coverages, still applies.

HO 7033–Unit-Owner Rental to Others

(Use with only HO 0006)

This endorsement may be attached to a basic policy that is covering a condominium-unit owner who is renting or is making his or her unit available for rental. The form modifies Coverage C—Personal Property, Perils Insured Against extends the Incidental Liability Coverages section.

HO 7500–Farm Liability Coverage

This form is designed to extend protection under a basic policy to cover liability arising out of a farming operation. Specifically, the endorsement replaces the basic policy definitions of business and domestic employee, modifies the definition of insured and adds the definitions of farm employee, and farming. The new and revised definitions apply ONLY to losses involving the farm coverage. The form adds an incidental liability coverage provision for custom farm work. The form also adds several coverage limitations so that the endorsement is suited for covering modest farming exposures.

HO 7515–Custom Farm Work

This extends the farm personal or commercial liability coverage to provide protection against damages resulting from an insured’s described custom farm work.

HO 7520–Employers’ Liability and Medical Payments Coverage - Farm Employees

Amends the Personal Liability Coverage by allowing an insured to identify his employee exposure and to elect coverage for injury to farm employees as well as liability coverage for employees who cause injury or damage while performing their jobs. Rating basis may be according to the number of full and part-time employees (man-day) basis or upon a wage basis. The endorsement’s man-day approach is preferred as it best reflects the employee related liability exposure.

Note: This coverage is not to be confused with employment practices coverage as this form excludes any acts involving hiring, firing, demotions and other related acts or policies.

HO 7525–Farm Chemicals Limited Liability Coverage

This amends Coverage L–Personal Liability and Coverage M–Medical Payments to Others to include partial protection against liability resulting from an insured’s use of farm chemicals on the insured premises. The insurance limit selected on the form (or shown on the declarations) applies to an annual aggregate basis. The chemical use must be in connection with routine farm operations. Coverage is excluded for damages caused by chemicals released via aircraft, indirect losses, illegal farm operations and actions involving pollution monitoring, testing, assessment, or remediation.

HO 7530–Fruit or Vegetable Picking By Public

This amends the Personal Liability coverage to protect against losses arising out of the named business activities. The fruit or vegetable picking liability has an option to include coverage for ladder and off-ground picking.

HO 7540–Incidental Farming

Amends Coverages L–Personal Liability and M–Medical Payments to Others to cover the liability related to the minor farming activity either on the insured premises or by an insured at a described location.

HO 7545–Livestock Collision

(Use with all forms except HO 0008)

The property coverage may be written to cover loss (death) of animals that occurs because of a collision with a vehicle on a public road. The coverage applies only when any insured or his or her employee does not operate the vehicle. Coverage applies to cattle, horses, mules, donkeys, hog, sheep, or goats. $400 is the absolute maximum that may be paid for any individual animal and is subject to the market value and the named insured’s interest in the animal.

HO 7550–Products Annual Aggregate Sub-Limit

Coverage is modified under the policy’s Personal Liability’s insurance limits to act as annual aggregate limits for any covered losses involving damages caused by products which an insured makes, sells, handles, or distributes.

Note: The conversion to an annual aggregate applies to Coverage L–Personal Liability. Coverage M–Medical Payments still operates on a per occurrence basis.

HO 7555–Horse Boarding Operations

Personal liability coverage is extended to include horse-boarding operations that are described in the endorsement at the location indicated. This is location specific coverage. There is no coverage for injury or damage caused by animals that escape.