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15 Cards in this Set
- Front
- Back
Owner Occupant |
HO policy with Forms HOA, HOB, or HOC attached may be written only for the owner occupant of a dwelling or townhouse unit used exclusively fro private residential purposes, and which contain not more than two families and with not more than two boarders or roomers per family. |
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Tenant Occupant |
HOBT, HOCT, non owner dwelling or an apartment and/ or townhouse situated in any building. |
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Form HOA |
Covers Dwellings, other private structures on the premises, and personal property on and away from the premises against loss by fire, extended coverage, vandalism and malicious mischief and theft. |
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Form HOB |
Covers dwellings and other private structures on the premises against all risks of physical loss with certain exceptions. In addition, form HOB covers personal property on and away from the premises against loss by fire, extended coverage, vandalism and malicious mischief, theft and certain other named perils. |
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Form HOC |
Covers dwelling, other private structures on the premises and personal property on and away from premises against all risks of physical loss with certain exceptions. |
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Mold, Fungi, or Other Microbes Coverage |
This is mandatory coverage which must be offered but can be declined by the named insured. Coverage is available with limits of liability for 25%, 50%, and 100% of coverage A, coverage C and loss of use |
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Replacement Cost for personal property |
Form HO-101 Applicable to every form but HOA Attached to amend section 1 coverage B to substitute replacement cost for ACV subject to the exclusions and conditions of the endorsement |
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Increased limit on jewelry, watches and furs |
HO-110 Increased from $500 to $5000 Additional premium charge |
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Endorsement #HO-135 |
Optional Selected percentage of coverage A limit of liability for the increased cost an insured may incur due to the enforcement of any building ordinance. |
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Endorsement #HO-160 |
Optional endorsement used to schedule personal property. |
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Endorsement #HO-201 |
Optional Amend the definition of bodily injury to include personal injury Additional premium |
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Farmers Personal Liability Coverage HO-210 |
Farm Liability Exposures, used to convert the personal liability coverage to farmer's
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Endorsement No HO-225 |
Used to expand the definition of insured location. Additional premium charge |
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General Change Endorsement Form HO-320 |
Changes that do not result in additional premium. Changes must be incorporated into the declarations page within 30 days of issuing the endorsement. |
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Minimum Deductible |
$100 |