Personal Property Forms & Endorsements
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1 Personal Property Forms & Endorsements
2 Introduction ISO is a licensed rating and advisory organization that maintains over 7,500 policy forms and endorsements for 18 lines of insurance spread across 54 jurisdictions.
3 Introduction ISO products and services are designed to allow our participants to make their own informed, intelligent, independent decisions regarding the coverages they provide. ISO has no adherence requirements and insurer customers are free to use, not use, or modify the policy forms we develop.
4 Personal Lines For Personal Lines, ISO maintains policy forms for the following lines of business: Homeowners Dwelling Property Personal Liability (Including Personal Umbrella) Personal Inland Marine Personal Auto Homeowners Mobilehome Supplement
5 Structure Of Coverages Range of Coverages Available Across Different Policy Forms and Endorsements Package Policies or Individual Coverages Available Flexible and Versatile Allows Insurers and Agents To Custom-Tailor Coverages To The Risk
6 Structure of Policy Forms and Endorsements Multistate Forms and Endorsements State-Specific Forms and Endorsements Special Provisions Endorsements Mandatory & Optional Endorsements
7 ISO Forms Development Process Policy forms are created and revised in response to: Market Needs, to keep the forms state-of-the-art and current; and State-specific legislation, court case or insurance department regulation.
8 Responding To Market Needs ISO keeps forms state-of-the-art based on input received from many sources: Insurers Agent associations Regulators Staff research and societal trends ISO Panels (Insurer, Regulatory, Industry)
9 Legislation, Case Law, Regulations ISO annually reviews: Up to 12,000 proposed bills and enacted laws. 2,000 court cases. Over 500 Insurance department regulations, bulletins, notices.
10 Legislation, Case Law, Regulations ISO Line staff develops changes to policy language in response to state requirements ISO Legal staff reviews and signs off on all policy language changes ISO communicates proposed changes to customers
11 Filing And Approval Process Our filing process for filing new or revised forms is the same, whether responding to market needs or law/court case/ regulation.
12 Filing And Approval Process ISO: Files proposed policy changes for regulator review/approval. Corresponds with regulator to gain acceptance. Announces implementation of new policy language to customers.
13 Implementation And Distribution Insurers then begin using the new and revised forms as of the approved effective date. Insurers may also deviate from the ISO approved revision and/or effective date. The forms development and revision process continues.
14 Dwelling Property Program Eligibility & Characteristics Dwellings Used Solely For Residential Purposes Owner and Non-Owner Occupied Dwellings Containing Not More Than Four Apartments Cafeteria Style - Coverages May Be Provided Either In a Package or Purchased Individually Depending On Risk
15 Dwelling Property Program Coverage Forms DP Dwelling Property 1 Basic Form DP Dwelling Property 2 Broad Form DP Dwelling Property 3 Special Form
16 Dwelling Property Program Coverage Forms Coverage For a Condominium Unit- Owner Is Available by Endorsement DP when a DP or DP is purchased.
17 Dwelling Property Program Basic Property Coverages Coverage A Dwelling Coverage B Other Structures Coverage C Personal Property Coverage D Fair Rental Value Coverage E Additional Living Expense
18 Dwelling Property Program Basic Property Coverages Other Coverages Debris Removal Improvements, Additions & Alterations World-Wide Coverage Reasonable Repairs
19 Dwelling Property Program Basic Property Coverages Other Coverages Property Removed Trees, Shrubs & Other Plants Fire Department Service Charge Collapse Glass Or Safety Glazing Material Ordinance Or Law
20 Dwelling Property Perils Insured Against Perils DP Basic Form DP Broad Form DP Special Form Fire or Lightning, Internal Explosion Yes Yes Yes Extended Coverage meaning Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, Smoke, Volcanic Eruption Optional Yes Yes Vandalism or Malicious Mischief Optional Yes Yes Damage by Burglars, Falling objects, Weight of ice, snow or sleet, Accidental discharge of water or steam, Sudden cracking of a steam or hot water heating system, Freezing, Sudden damage from artificial electric currents Additional risks with certain exceptions (Special Coverage) No Yes Yes No No Yes Coverages A and B May only be written with the perils of Fire or Lightning, Internal Explosion May only be written with Extended Coverage
21 Homeowners Policy Program Eligibility & Characteristics Owner-Occupied Dwellings Tenants & Condominiums Not More Than Four Apartments Package Policies of Property & Liability Coverages Only
22 Homeowners Policy Program Coverage Forms HO Homeowners 2 Broad Form HO Homeowners 3 Special Form HO Homeowners 4 Contents Broad Form HO Homeowners 5 Comprehensive Form HO Homeowners 6 Unit-Owners Form HO Homeowners 8 Modified Coverage Form
23 Homeowners Policy Program Basic Property Coverages Coverage A Dwelling Coverage B Other Structures Coverage C Personal Property Coverage D Loss Of Use
24 Homeowners Policy Program Basic Property Coverages Additional Coverages Debris Removal Reasonable Repairs Trees, Shrubs and Other Plants Fire Department Services Charge Property Removed Credit Card, Forgery & Counterfeit Money
25 Homeowners Policy Program Basic Property Coverages Additional Coverages Loss Assessment Collapse Glass Or Safety Glazing Material Landlord s Furnishings Ordinance or Law Grave Markers
26 Homeowners - Perils Insured Against Perils HO 2 HO 3 HO 4 And HO 6 HO 5 HO 8 Fire or Lightning Yes Yes Yes Yes Yes Windstorm or Hail, Explosion, Riot or civil commotion, Aircraft, Vehicles or Smoke Yes Yes Yes Yes Yes Vandalism or malicious mischief Yes Yes Yes Yes Yes Theft Yes Yes Yes Yes Yes Volcanic eruption Yes Yes Yes Yes Yes Falling objects, Weight of ice, snow or sleet, Accidental discharge of water or steam, Sudden and accidental tearing apart of a heating system or appliance, Freezing, Sudden accidental damage from electrical current. Additional risks with certain exceptions (Special Coverage) Yes Yes Yes Yes No No Yes (A,B,D) No Yes (A, B, C,D) No
27 Florida-Specific Requirements Readability Certification Sinkhole Collapse Coverage Offer of Ordinance Or Law Coverage Offer of Replacement Cost Loss Settlement Mold Coverage Calendar Year Hurricane Deductible Requirements Mediation Cancellation & Nonrenewal
28 Considerations One Size Does Not Fit All Different Risks Require Different Combinations of Coverages Flexible Policy Structures Utilizing Standardized Policy Language Maintenance
29 Questions?
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You re Amazing. You re now part of a special group of people, who participate in making history. Together, we ll be able to make insurance an honest, simple and fun experience. Thanks for joining, we re
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