Table of Contents Chapter 1: Other Insureds... 1 Additional Insured Residence Premises HO 04 41...2 Additional Interests Residence Premises HO 04 10...3 Additional Insured Student Living Away From the Residence Premises HO 05 27...3 Other Members of Your Household HO 04 58...4 Additional Insured DP 04 41...4 Additional Insured DL 24 10...5 Additional Insured Lessor PP 03 19...5 Assisted Living Care Coverage HO 04 59...5 Assisted Living Care Coverage DP 04 59...7 Trust Endorsement HO 06 15...7 Trust Endorsement PP 13 03...9 Summary...9 Chapter 2: Other Structures... 11 Additional Residence Rented to Others HO 24 70...11 Structures Rented to Others Residence Premises HO 04 40...11 Extended Theft Coverage for Residence Occasionally Rented to Others HO 05 41...12 Coverage B Other Structures Away from the Residence Premises HO 04 91...12 Specific Structures Away from the Residence Premises HO 04 92...13 Increased Amount of Insurance for Personal Property at Other Residences HO 04 50...13 Permitted Incidental Occupancies Other Residence HO 24 43...13 Building Additions and Alterations Other Residence HO 04 49... 13 Building Additions and Alterations Increased Limit HO 04 51...14 Other Structures Increased Limits HO 04 48... 14 Mobilehome Endorsement HO 04 01...15 Mobilehome Lienholder s Single Interest HO 04 04... 16 Transportation/Permission to Move HO 04 03... 18 Summary...18 Chapter 3: Business Use... 19 Business Pursuits HO 24 71...19 Business Pursuits DL 24 05...20 Home Business Insurance Coverage HO 07 01...20 xi
Home Day Care Coverage HO 04 97....................... 35 Home Day Care Coverage DL 24 17...36 Permitted Incidental Occupancies HO 04 42... 37 Permitted Incidental Occupancies DP 04 20... 37 Permitted Incidental Occupancies DL 24 09... 37 Exclusion of Farm Employees Illegally Employed HO 24 96...38 Summary...38 Chapter 4: Extreme Events... 39 Hurricane Deductible New Jersey HO 03 30... 40 Calendar Year Hurricane Deductible (fixed dollar) with Supplemental Reporting Requirement Florida HO 03 52... 40 Limited Loss Settlement for Windstorm or Hail Losses to Roof Surfacing HO 06 46...42 Cosmetic Damage Exclusion...45 Cosmetic Damage Exclusion Windstorm or Hail HO 06 43...46 Mine Subsidence...46 Mine Subsidence Residence and Other Structures Illinois HO 23 88...47 Coal Mine Subsidence Coverage Endorsement Indiana HO 23 83...48 Mine Subsidence Coverage Endorsement Kentucky HO 23 87...48 Coal Mine Subsidence Coverage Part West Virginia (Dwelling Structures) HO 23 31... 49 Sinkhole Collapse HO 04 99...51 Earthquake HO 04 54...51 Earthquake California HO 23 33...52 Loss Assessment Coverage for Earthquake HO 04 36...52 Dwelling Earthquake, Loss Assessment Coverage for Earthquake, and Sinkhole DP 04 69, DP 04 68, DP 04 99...53 Cap on Losses from Certified Acts of Terrorism DP 05 37 and DL 24 87...53 Summary...54 Chapter 5: Increased Limits and Other Coverages... 55 Specified Additional Amount of Insurance for Coverage A Dwelling HO 04 20...55 Coverage C Increased Special Limits of Liability HO 04 65...56 Coverage C Increased Special Limits of Liability HO 04 66...57 Scheduled Personal Property Endorsement HO 04 60, HO 04 61...57 xii
Increased Limits on Business Property HO 04 12... 60 Personal Property Replacement Cost Loss Settlement HO 04 90...61 Replacement Cost Loss Settlement for Certain Non-Building Structures on the Residence Premises HO 04 43...62 Valuable Papers and Records Coverage Increased Limits (for use with the Home Business Insurance Coverage Endorsement) HO 07 56...63 Ordinance or Law Increased Amount of Coverage HO 04 77... 63 Ordinance or Law Coverage MH 04 08...63 Theft Coverage Increase HO 04 30...64 Functional Replacement Cost Loss Settlement HO 05 30, HO 05 31...65 Inflation Guard HO 04 46...67 Premises Alarm or Fire Protection System HO 04 16...68 Refrigerated Property Coverage HO 04 98... 68 Special Personal Property Coverage HO 05 24...68 Actual Cash Value Mobilehome MH 04 02...71 Additional Dwelling Coverages...71 Additional Living Expense DP 04 14...71 Trees, Shrubs and Other Plants (DP 00 01 Only) DP 04 17...72 Improvements, Alterations and Additions DP 04 31... 72 Gravemarkers DP 04 58...73 Ordinance or Law Coverage Increased Amount of Coverage (Forms DP 00 02 and DP 00 03 Only) DP 04 71...73 Limited Theft Coverage DP 04 73...73 Broad Theft Coverage DP 04 72...75 Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing (DP 00 01 when DP 00 08 is attached, DP 00 02 and DP 00 03) DP 04 75...76 Actual Cash Value Loss Settlement DP 04 76...76 Dwelling Under Construction DP 11 43...77 Summary...77 Chapter 6: Liability, Water, and Condominiums... 79 Liability...79 Personal Injury Coverage HO 24 82, HO 24 10, DL 24 82. 79 Incidental Farming Personal Liability HO 24 72... 82 Farmers Personal Liability HO 24 73...83 Canine Liability Exclusion Endorsement HO 24 77... 85 Premises Liability (Non-owner Occupied Dwelling) DL 24 11...86 xiii
Exclusion for Computer-Related Damage or Injury DL 24 34...86 Summary...86 Water Endorsements...87 Limited Water Back-up and Sump Discharge or Overflow Coverage HO 04 95, DP 04 95...87 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage HO 04 27, HO 04 28, DP 04 22, DL 24 71...88 Fungi, Wet or Dry Rot, or Bacteria Increased Amount of Section I Property Coverage (for use with all forms) HO 03 33...90 Summary...91 Condominiums.......................................... 91 Unit-owners Coverage A Special Coverage HO 17 32...91 Unit-owners Coverage C Special Coverage HO 17 31...92 Unit-owners Rental to Others HO 17 33...93 Additional Limits of Liability for Coverages A, B, C and D HO 04 11...93 Loss Assessment Property Coverage DP 04 63...94 Loss Assessment Liability Coverage DL 24 14...94 Unit-Owners Coverage DP 17 66...95 Summary...96 Chapter 7: Miscellaneous Vehicles... 97 Incidental Low Power Recreational Motor Vehicle Liability Coverage Endorsement HO 24 13, DL 24 32...98 Owned Motorized Golf Cart Physical Loss Coverage HO 05 28, DP 05 28...98 Owned Snowmobile HO 24 64, DL 24 07...100 Watercraft HO 24 75, DL 24 06...101 Livestock Collision Coverage HO 04 52... 102 Miscellaneous Type Vehicle Endorsement PP 03 23... 102 Snowmobile Endorsement PP 03 20... 104 Summary...106 Chapter 8: Miscellaneous Endorsements... 107 Landlord s Furnishings (Forms HO 00 02, HO 00 03, and HO 00 05 only) HO 05 46...107 Green Upgrades Coverage HO 06 31...................... 107 Loss Payable Provisions HO 07 52...111 Mechanical Breakdown HO 06 33... 112 Special Loss Settlement HO 04 56...113 xiv
Special Computer Coverage HO 04 14...113 Special Coverage Spoilage of Perishable Stock HO 04 14...114 Special Coverage for Valuable Papers and Records HO 07 57...115 Sections I and II Exclusions for Computer-Related Damage or Injury HO 04 13...116 Credit Card, Electronic Fund Transfer Card or Access Device, Forgery or Counterfeit Money Coverage (increased limit) HO 04 53...117 Identity Fraud Expense Coverage HO 04 55...117 Summary...118 Chapter 9: Automobile Endorsements... 119 Auto Loan/Lease Coverage PP 03 35...119 Named Driver Exclusion...120 Excess Electronic Equipment Coverage PP 03 13... 121 Excess Custom Equipment Coverage PP 03 18... 122 Custom Equipment Exclusion Coverage PP 13 06... 123 Trailer/Camper Body Coverage (Maximum Limit of Liability) PP 03 07...123 Named Non-owner Coverage...124 Extended Non-owned Coverage...126 Joint Ownership Coverage...128 Personal Injury Protection...129 Limited Mexico Coverage PP 03 21...130 Miscellaneous Type Vehicle Endorsement PP 03 23...131 Miscellaneous Type Vehicle Amendment (Motor Homes)... 131 Snowmobiles PP 03 20...132 Optional Limits Transportation Expenses Coverage PP 03 02...132 Towing and Labor Costs Coverage PP 03 03...133 Trip Interruption Coverage PP 13 02...133 Suspension of Insurance PP 02 01...134 Single Limits of Liability...134 Single Limit Uninsured Motorists...135 Single Limit Underinsured Motorists...135 Property Damage Uninsured Motorists...135 Summary...136 Chapter 10: Home-sharing and Drones... 137 Home-sharing Host Activities Amendatory Endorsement HO 06 53...137 xv
Broadened Home-sharing Host Activities Coverage Endorsement HO 06 63... 139 Damage to Property of Others-Increased Limits HO 06 51...141 Aircraft Liability Definition Revised to Remove Exception for Model and Hobby Aircraft HO 34 02...141 Personal Injury for Aircraft Liability Excluded HO 34 03... 142 Summary...142 Appendix A: Ownership... 143 Table 1 Named Driver Exclusion by State... 144 Table 2 Named Non-owner Coverage by State...148 Table 3 Joint Ownership Coverage... 149 Appendix B: Personal Injury Protection (PIP)... 151 Table 1 ISO Endorsements and State Laws - Personal Injury Protection Limits (Auto)... 152 Appendix C: Other Vehicles... 167 Table 1 Miscellaneous Type Vehicle Endorsement... 168 Table 2 Miscellaneous Type Vehicle Amendment (Motor Homes)...170 Table 3 Snowmobiles... 171 Appendix D: Liability Limits... 173 Table 1 Single Liability Limit...174 Table 2 Single Uninsured Motorists Liability Limit... 176 Table 3 Rejection of Uninsured Motorist Coverage by Named Insured for All Insureds (States with ISO Endorsements)...179 Table 4 Single Limit Underinsured Motorists... 182 Table 5 Property Damage Uninsured Motorists... 184 Appendix E: Forms... 191 HO 00 03 05 11 Homeowners 3 Special Form...192 DP 00 03 07 14 Dwelling Property 3 Special Form...216 PP 00 01 01 05 0 Personal Auto Policy...229 xvi