Additional Insured Lessor PP Assisted Living Care Coverage DP

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1 Table of Contents Chapter 1: Other Insureds... 1 Additional Insured Residence Premises HO Additional Interests Residence Premises HO Additional Insured Student Living Away From the Residence Premises HO Other Members of Your Household HO Additional Insured DP Additional Insured DL Additional Insured Lessor PP Assisted Living Care Coverage HO Assisted Living Care Coverage DP Trust Endorsement HO Trust Endorsement PP Summary...9 Chapter 2: Other Structures Additional Residence Rented to Others HO Structures Rented to Others Residence Premises HO Extended Theft Coverage for Residence Occasionally Rented to Others HO Coverage B Other Structures Away from the Residence Premises HO Specific Structures Away from the Residence Premises HO Increased Amount of Insurance for Personal Property at Other Residences HO Permitted Incidental Occupancies Other Residence HO Building Additions and Alterations Other Residence HO Building Additions and Alterations Increased Limit HO Other Structures Increased Limits HO Mobilehome Endorsement HO Mobilehome Lienholder s Single Interest HO Transportation/Permission to Move HO Summary...18 Chapter 3: Business Use Business Pursuits HO Business Pursuits DL Home Business Insurance Coverage HO xi

2 Home Day Care Coverage HO Home Day Care Coverage DL Permitted Incidental Occupancies HO Permitted Incidental Occupancies DP Permitted Incidental Occupancies DL Exclusion of Farm Employees Illegally Employed HO Summary...38 Chapter 4: Extreme Events Hurricane Deductible New Jersey HO Calendar Year Hurricane Deductible (fixed dollar) with Supplemental Reporting Requirement Florida HO Limited Loss Settlement for Windstorm or Hail Losses to Roof Surfacing HO Cosmetic Damage Exclusion...45 Cosmetic Damage Exclusion Windstorm or Hail HO Mine Subsidence...46 Mine Subsidence Residence and Other Structures Illinois HO Coal Mine Subsidence Coverage Endorsement Indiana HO Mine Subsidence Coverage Endorsement Kentucky HO Coal Mine Subsidence Coverage Part West Virginia (Dwelling Structures) HO Sinkhole Collapse HO Earthquake HO Earthquake California HO Loss Assessment Coverage for Earthquake HO Dwelling Earthquake, Loss Assessment Coverage for Earthquake, and Sinkhole DP 04 69, DP 04 68, DP Cap on Losses from Certified Acts of Terrorism DP and DL Summary...54 Chapter 5: Increased Limits and Other Coverages Specified Additional Amount of Insurance for Coverage A Dwelling HO Coverage C Increased Special Limits of Liability HO Coverage C Increased Special Limits of Liability HO Scheduled Personal Property Endorsement HO 04 60, HO xii

3 Increased Limits on Business Property HO Personal Property Replacement Cost Loss Settlement HO Replacement Cost Loss Settlement for Certain Non-Building Structures on the Residence Premises HO Valuable Papers and Records Coverage Increased Limits (for use with the Home Business Insurance Coverage Endorsement) HO Ordinance or Law Increased Amount of Coverage HO Ordinance or Law Coverage MH Theft Coverage Increase HO Functional Replacement Cost Loss Settlement HO 05 30, HO Inflation Guard HO Premises Alarm or Fire Protection System HO Refrigerated Property Coverage HO Special Personal Property Coverage HO Actual Cash Value Mobilehome MH Additional Dwelling Coverages...71 Additional Living Expense DP Trees, Shrubs and Other Plants (DP Only) DP Improvements, Alterations and Additions DP Gravemarkers DP Ordinance or Law Coverage Increased Amount of Coverage (Forms DP and DP Only) DP Limited Theft Coverage DP Broad Theft Coverage DP Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing (DP when DP is attached, DP and DP 00 03) DP Actual Cash Value Loss Settlement DP Dwelling Under Construction DP Summary...77 Chapter 6: Liability, Water, and Condominiums Liability...79 Personal Injury Coverage HO 24 82, HO 24 10, DL Incidental Farming Personal Liability HO Farmers Personal Liability HO Canine Liability Exclusion Endorsement HO Premises Liability (Non-owner Occupied Dwelling) DL xiii

4 Exclusion for Computer-Related Damage or Injury DL Summary...86 Water Endorsements...87 Limited Water Back-up and Sump Discharge or Overflow Coverage HO 04 95, DP Limited Fungi, Wet or Dry Rot, or Bacteria Coverage HO 04 27, HO 04 28, DP 04 22, DL Fungi, Wet or Dry Rot, or Bacteria Increased Amount of Section I Property Coverage (for use with all forms) HO Summary...91 Condominiums Unit-owners Coverage A Special Coverage HO Unit-owners Coverage C Special Coverage HO Unit-owners Rental to Others HO Additional Limits of Liability for Coverages A, B, C and D HO Loss Assessment Property Coverage DP Loss Assessment Liability Coverage DL Unit-Owners Coverage DP Summary...96 Chapter 7: Miscellaneous Vehicles Incidental Low Power Recreational Motor Vehicle Liability Coverage Endorsement HO 24 13, DL Owned Motorized Golf Cart Physical Loss Coverage HO 05 28, DP Owned Snowmobile HO 24 64, DL Watercraft HO 24 75, DL Livestock Collision Coverage HO Miscellaneous Type Vehicle Endorsement PP Snowmobile Endorsement PP Summary Chapter 8: Miscellaneous Endorsements Landlord s Furnishings (Forms HO 00 02, HO 00 03, and HO only) HO Green Upgrades Coverage HO Loss Payable Provisions HO Mechanical Breakdown HO Special Loss Settlement HO xiv

5 Special Computer Coverage HO Special Coverage Spoilage of Perishable Stock HO Special Coverage for Valuable Papers and Records HO Sections I and II Exclusions for Computer-Related Damage or Injury HO Credit Card, Electronic Fund Transfer Card or Access Device, Forgery or Counterfeit Money Coverage (increased limit) HO Identity Fraud Expense Coverage HO Summary Chapter 9: Automobile Endorsements Auto Loan/Lease Coverage PP Named Driver Exclusion Excess Electronic Equipment Coverage PP Excess Custom Equipment Coverage PP Custom Equipment Exclusion Coverage PP Trailer/Camper Body Coverage (Maximum Limit of Liability) PP Named Non-owner Coverage Extended Non-owned Coverage Joint Ownership Coverage Personal Injury Protection Limited Mexico Coverage PP Miscellaneous Type Vehicle Endorsement PP Miscellaneous Type Vehicle Amendment (Motor Homes) Snowmobiles PP Optional Limits Transportation Expenses Coverage PP Towing and Labor Costs Coverage PP Trip Interruption Coverage PP Suspension of Insurance PP Single Limits of Liability Single Limit Uninsured Motorists Single Limit Underinsured Motorists Property Damage Uninsured Motorists Summary Chapter 10: Home-sharing and Drones Home-sharing Host Activities Amendatory Endorsement HO xv

6 Broadened Home-sharing Host Activities Coverage Endorsement HO Damage to Property of Others-Increased Limits HO Aircraft Liability Definition Revised to Remove Exception for Model and Hobby Aircraft HO Personal Injury for Aircraft Liability Excluded HO Summary Appendix A: Ownership Table 1 Named Driver Exclusion by State Table 2 Named Non-owner Coverage by State Table 3 Joint Ownership Coverage Appendix B: Personal Injury Protection (PIP) Table 1 ISO Endorsements and State Laws - Personal Injury Protection Limits (Auto) Appendix C: Other Vehicles Table 1 Miscellaneous Type Vehicle Endorsement Table 2 Miscellaneous Type Vehicle Amendment (Motor Homes) Table 3 Snowmobiles Appendix D: Liability Limits Table 1 Single Liability Limit Table 2 Single Uninsured Motorists Liability Limit Table 3 Rejection of Uninsured Motorist Coverage by Named Insured for All Insureds (States with ISO Endorsements) Table 4 Single Limit Underinsured Motorists Table 5 Property Damage Uninsured Motorists Appendix E: Forms HO Homeowners 3 Special Form DP Dwelling Property 3 Special Form PP Personal Auto Policy xvi