Blog – Appraisal Panel Network

June 24, 2023June 26, 2023

Certification Programs Benefit You , Your client and the industry

Over the course of my career I have received and maintained several Industry Certifications and Licenses .

When you get and renew Industry Certifications, you will stay current on new legislation, and any sort of new methods or concepts that are very beneficial for you and your career. It shows that you have taken the initiative to maintain your training and keep up-to-date in the field. This can make you more employable, and help you move up in your career. It can also help you work more efficiently and with more confidence in your daily tasks. You’ll not only stand out from others in your field, you’ll also be able to then build on that certification by getting even more advanced certifications in the future.

Employers always have a desire to maintain a very polished and professional image in our industry. It helps companies get more clients, and positions them to be more credible and respected. Having Appraisers, Umpires, Experts, and Adjusters with certifications reflects very well on the company or client that hired you– it says “We hire the best.”

When it comes right down to the final person or entity affected by your work – the client or policyholder – your knowledge of our claims industry can directly impact them. If you are more knowledgeable, and have the certification training to back that fact up, you produce something that is effective, reliable and credible for your client on both sides of the storm.

Brad Hays

April 21, 2023July 1, 2023

Ensuing Loss

Source FC&S Expert Coverage Interpretation

Ensuing Losses Summary: Ensuing losses are exceptions to an exclusion found in many homeowner policies. Questions arise as to what exactly is an ensuing loss, and how does that differ from a direct loss. This article tackles that question.

Topics covered:

Introduction

Definition

Direct Damage

Ensuing Loss

Conclusion

Introduction

In the perils insured against section of the ISO HO 00 03 05 11, under coverages A and B, the policy states that losses caused by collapse, freezing, theft under construction, vandalism, mold, wear and tear, pollution, birds, rodents, insects, or animals owned by an insured are excluded. However, any ensuing loss from these excluded perils that is not precluded by any other provision in the policy is covered. Similar language appears in the exclusions section. Losses caused by weather conditions, but only if they contribute with an excluded cause or event listed in the rest of the exclusions, or acts of a person, group, governmental body, or faulty, inadequate, or defective workmanship, construction, planning, renovation, or materials used in repair, construction, renovation or maintenance are excluded. Ensuing losses from these exclusions to property in coverage A or B that are not precluded by other policy provisions are covered. The most common ensuing losses are fire and water. The issue then is determining what is an ensuing loss instead of a direct loss.

Definition

The policy itself does not define ensue, so a standard desk reference is used. Merriam Webster online defines ensue as to take place afterward or as a result. The Free Online dictionary defines it as to follow as a consequence or result; to take place subsequently. Ballentine’s Law Dictionary 3rd edition defines ensue as to follow or come after, sometimes importing a connection with that which proceeds. Couch on Insurance 3rd Edition defines “ensuing loss” as “loss which follows as a consequence of some preceding event or circumstance.” The intent is the same; ensuing damage is damage that follows the original peril. It can be thought of as a second step in the chain of events. The ensuing loss must follow and grow out of the original loss.

Direct Damage

Direct damage is the immediate result of the peril, and is the first damage in a chain of events if there is one. Wear and tear may cause a pipe to leak, which causes water damage to walls and floors. The wear and tear of the pipe is the direct damage. Even though it is something that occurs slowly over time, it is damage in and of itself, and as such is direct damage. While the water damage is a natural occurrence when there is a worn pipe, it is still ensuing damage. Damage that naturally follows the original damage is ensuing damage, no matter how closely the two are tied together. Termites chewing on the studs in the wall are direct damage. The termites themselves are not damage, their action is. If a neighboring plant generates smoke that gets into the insureds home and covers walls and belongings, that is direct damage. There is no preceding action at the insured location to the presence of the smoke; the smoke itself is the damage. Likewise, the settling of a foundation over time is direct damage. There is no outside cause. All these are excluded perils, and the results listed are excluded results since they are direct damage.

In Sharp v. State Farm Fire & Cas. Ins. Co., 938 F. Supp. 395 (W.D. Tex. 1996), a plumbing leak caused the foundation to shift. The insureds filed a claim and the carrier denied it, stating the exclusion for foundation movement. The policy excludes coverage for settling, cracking, bulging of foundations; however, ensuing loss caused by water damage is covered if the loss would otherwise be covered. State Farm argued that the exception for ensuing loss did not apply since the water was the cause of the loss, and not the result of the loss. The court agreed. The water damage was prior to the loss not subsequent, and is not an ensuing loss. Even though the water leak was not excluded, the shifting of the foundation (the ensuing loss) was. Ensuing losses are only covered if they are not otherwise excluded elsewhere in the policy.

Ensuing loss

As indicated earlier, an ensuing loss follows an original loss; it is a consequence of something. The water from the worn pipe is a consequence of the worn pipe. If termites chew through studs so that the porch collapses, the collapse of that porch is ensuing damage. The direct damage is the damage to the studs by the termites.

In Arnold v. Cincinnati Ins. Co. 688 N.W.2d 708 (2004), the insured sued the carrier to recover for exterior and interior damage from the stripping and restaining of their siding. The Circuit Court entered summary judgment in favor of the insurer and the insureds appealed. The Court of Appeals held that the faulty workmanship exclusion applied and that damage to the interior from the power washer spray was not covered. However the loss caused by rain that leaked in from caulking damaged by the faulty workmanship was covered as an ensuing loss. The faulty workmanship includes the damage to the siding, the damage caused by failure to use protective coverings while doing the work, failure to properly use the pressure washer, and failure to properly clean up after working on the siding. The direct damage was the faulty workmanship which damaged the caulking, and the ensuing loss was the rain that was let in by the damaged caulking. The rain loss followed and was allowed to happen because of the original damage that was excluded.

Conclusion

Direct losses and ensuing losses can be confusing, especially when ensuing losses from an excluded loss are covered. It is important to remember that the initial damage is the direct loss, and anything following is an ensuing loss, even when it seems like the natural result of the direct loss. An example is a water tank that gets smashed and leaks; while it’s natural to expect a smashed water tank to leak, the smashing of the tank is separate from any damage caused by water that leaked out. The direct loss is loss to an object, and the ensuing loss is loss caused by the effects of damage to the object.

Source FC&S Expert Coverage Interpretation

February 14, 2024February 14, 2024

Embracing the Long Game: The Power of Patience and Persistence

In a world filled with instant gratification and quick fixes, the concept of playing the long game often gets overshadowed. We live in a society where we are conditioned to seek immediate results and rapid success, often ignoring the beauty and effectiveness of long-term thinking.

Being in it for the long game means embracing patience, persistence, and a strategic approach to achieving one’s goals. It involves understanding that meaningful progress often takes time and that success is not always a sprint but sometimes a marathon. Whether it’s in business, relationships, personal development, or any other aspect of life, adopting a long-term mindset can be incredibly powerful.

Patience is a Virtue

Patience is a virtue that is often underrated in today’s fast-paced world. People are eager to see quick results and can become discouraged when progress seems slow. However, those who are in it for the long game understand that good things take time. They recognize the value of delayed gratification and are willing to invest the necessary effort and time to see their goals come to fruition.

Building Sustainable Success

In a culture that celebrates overnight success stories, it’s easy to overlook the importance of sustainability. Being in it for the long game means prioritizing sustainable growth and success over short-term gains. Whether it’s building a business, nurturing a relationship, or pursuing personal development, taking a long-term approach allows for more stable and enduring progress.

Learning from Setbacks

Embracing the long game also involves acknowledging that setbacks and failures are a natural part of the journey. Instead of being discouraged by temporary obstacles, those in it for the long game see them as valuable learning experiences. They understand that resilience and adaptability are essential qualities for achieving long-term success.

Cultivating Meaningful Relationships

In the realm of relationships, being in it for the long game means investing in deep, meaningful connections. Whether it’s with friends, family, or romantic partners, taking a long-term approach to relationships involves nurturing trust, understanding, and mutual growth over time.

Achieving Personal Growth

On a personal level, adopting a long-term mindset can be transformative. Instead of seeking quick fixes or instant gratification, those in it for the long game focus on continuous self-improvement. They recognize that personal growth is an ongoing journey that requires commitment and perseverance.

In conclusion, being in it for the long game is about understanding that true success and fulfillment often come from sustained effort, patience, and a strategic outlook. It’s a mindset that values enduring progress over instant results and embraces the journey as much as the destination. Whether in business, relationships, or personal development, the long game can yield profound and lasting rewards for those who are willing to play it.

Brad Hays

June 17, 2023June 24, 2023

APN Network

The APN is a Network of Certified Insurance Appraisers, Certified Insurance Umpires and Industry Professionals that Support the Policyholders, Carriers and the Appraisal Panel.

The Appraisers are from both sides of the policy. The Umpires are Neutral to either side. The Industry Professionals support the Appraisal Panel through Trainings, Expert Reporting and Technical Bulletins.

The APN Members “Network” together to Raise the Bar of Ethics, Knowledge and Professionalism in the Industry, through White Papers, Podcasts, Education, Legislative Updates, and Networking, The APN Members check their egos at the door. All of us are striving for the same end. “Open-Mindedness, Impartiality, Fairness and Getting it Right”!

The Appraisers and Umpires can turn to and rely on the APN Industry Professional Members, for accurate and unbiased information. With this information the Appraisal Panel can confidently arrive at impartial, competent and accurate awards. The Industry Professionals never influence or try to sway the Appraisal Panel. They only provide factual information so the Panel can make an informed decision.

The APN Industry Professional Members are Attorneys, Adjusters both Indepedent and Public Adjusters, Contractors, Industry Associations, Insurance Agents, Insurance Companies, Public Officials, Building Material Manufacturers and more. These Professionals are dedicated to improving the Insurance Claims Industry and delivering exceptional work product and services.

The APN has a Special Membership for the Policyholder. When they join APN for free, they will be able to learn ways to prepare for catastrophic events, how to mitigate additional damages after the event and how to rebuild their properties and lives.

“Without the Policyholder, this Industry doesn’t exist.”

May 29, 2023June 26, 2023

Here’s WHY Only 2% SUCCEED and 98% Don’t!

May 5, 2023June 26, 2023

Expert Witness

I’m Tyler with the Appraisal Panel Network!

Expert witness testimony is often critical in cases that involve complex scientific, property damage, medical, or legal issues. Expert witnesses can provide property owners, attorneys and the court with valuable insights and expertise to explain difficult concepts.

They can also provide an unbiased opinion on a particular subject matter that could be beneficial to the case. An expert witness may be called upon to testify about anything from medical diagnoses, accounting details, engineering design, or industry standards to complex legal matters. In some cases, an expert witness is the only person who can provide the court with valuable information on a particular topic.

The testimony of an expert witness can help the court decide whether the facts presented in a case are accurate and reliable. Depending on the nature of the case, an expert witness may be cross examined and questioned about their testimony to ensure accuracy. Expert witnesses play an important role in the judicial system and must remain unbiased throughout the proceedings. By focusing on providing accurate, reliable information, expert witnesses help inform court decisions and support justice. In addition to providing factual evidence, expert witnesses can often provide insight into a case’s broader implications. An expert witness should remain Unbiased, Impartial and Fair.

Author Brad Hays

May 5, 2023May 5, 2023

Effective Leadership

Effective leadership is essential for any organization to achieve its goals and objectives.

A successful leader is someone who can inspire and motivate their team to perform at their best, while also providing clear direction and guidance. They are able to communicate effectively, listen actively, and make informed decisions that are in the best interests of their team and the organization as a whole.

They lead by example, demonstrating integrity, honesty, and respect for others.

A great leader understands that every member of the team has unique strengths and weaknesses, and they work to leverage those strengths while also supporting and developing areas of weakness.

They are able to adapt to changing circumstances and are always looking for ways to improve processes and increase efficiency. Ultimately, effective leadership is about creating a positive and supportive work environment where team members feel valued, empowered, and motivated to succeed.

Here are some helpful guidelines for leaders to assess how their leadership habits and styles can help or hurt the “Team”.

Author Brad Hays

April 29, 2023May 5, 2023

Viewpoint: Licensing Mandate for Appraisers Will Increase Costs

In a recent motion to intervene in a petition filed with the Florida Department of Financial Services, Citizens Property Insurance Corp. supports a state regulation requiring appraisers to be licensed adjusters. If enacted, this would have detrimental consequences for a process intended to resolve quantum disputes in first party property and auto physical damage claims.

Click here to read article.

April 21, 2023May 17, 2023

Welcome

Welcome to The Appraisal Panel Network! My name is Zoey!

Here you will find posts and articles on a variety of topics, ranging from the latest industry news and trends to tips and advice for all the stakeholders. We’re dedicated to providing you with high-quality content and resources that can help you with the Appraisal Process. If there is something specific you would like to read about, reach out and let us know! We’re always here to help.

The content, posts and information will be a mixture of commentary, links to outside articles, and interviews created in a text format and some will be video interviews.

As often as we can, we will have APN Associates read the blogs and other content for you, so you can listen and stay up to date while driving or doing other things that may prohibit you from reading.

In the APN Library you will find downloadable helpful tools, and on-line and in class courses on a variety of topics.

The industry that supports Insurance Appraisers and Umpires is very large. APN breaks down the process, and unveils all the supporting actors in this Industry.

Our Membership List has a robust search engine so you can easily search for members, by location, discipline or trade.

We are confident the Appraisal Panel Network will help bolster your career.

From everyone here at APN Thank you for stopping by and please visit often.

Have a wonderful day!

April 21, 2023April 21, 2023

ISO HOMEOWNERS FORMS LIST

This list provides the homeowner forms by name
and number, and the states in which they apply.

Form Number	Title	Applicable States
HO 00 02 05 11	HOMEOWNERS 2 – BROAD FORM	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 02 10 00	HOMEOWNERS 2 – BROAD FORM	PR
HO 00 02 04 91	HOMEOWNERS 2 BROAD FORM	VA
HO 00 03 05 11 HO 00 03 03 22	HOMEOWNERS 3 – SPECIAL FORM HOMEOWNERS 3 – SPECIAL FORM	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 03 10 00	HOMEOWNERS 3 – SPECIAL FORM	PR
HO 00 03 04 91	HOMEOWNERS 3 SPECIAL FORM	VA
HO 00 04 05 11	HOMEOWNERS 4 – CONTENTS BROAD FORM	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 04 10 00	HOMEOWNERS 4 – CONTENTS BROAD FORM	PR
HO 00 04 04 91	HOMEOWNERS 4 CONTENTS BROAD FORM	VA
HO 00 05 05 11	HOMEOWNERS 5 – COMPREHENSIVE FORM	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 05 10 00	HOMEOWNERS 5 – COMPREHENSIVE FORM	PR
HO 00 06 05 11	HOMEOWNERS 6 – UNIT-OWNERS FORM	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 06 10 00	HOMEOWNERS 6 – UNIT-OWNERS FORM	PR
HO 00 06 04 91	HOMEOWNERS 6 UNIT-OWNERS FORM	VA
HO 00 08 05 11	HOMEOWNERS 8 – MODIFIED COVERAGE FORM	AK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, MT, NC, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, WI
HO 00 14 03 22	HOMEOWNERS 14 – CONTENTS COMPREHENSIVE FORM	AR, AZ, CO, DE, GU, IA, ID, IL, KS, KY, ME, MI, MN, MO, MS, ND, NE, NH, NV, OH, SD, TN, UT, WI, WV, WY
HO 00 22 05 11	TRANSITION ENDORSEMENT FOR HO 00 02, HOMEOWNERS 2 – BROAD FORM	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 23 05 11	TRANSITION ENDORSEMENT FOR HO 00 03, HOMEOWNERS 3 – SPECIAL FORM	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 24 05 11	TRANSITION ENDORSEMENT FOR HO 00 04, HOMEOWNERS 4 – CONTENTS BROAD FORM	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 25 05 11	TRANSITION ENDORSEMENT FOR HO 00 05, HOMEOWNERS 5 – COMPREHENSIVE FORM	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 26 05 11	TRANSITION ENDORSEMENT FOR HO 00 06, HOMEOWNERS 6 – UNIT-OWNERS FORM	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 00 28 05 11	TRANSITION ENDORSEMENT FOR HO 00 08, HOMEOWNERS 8 – MODIFIED COVERAGE FORM	AK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, MT, NC, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, WI
HO 03 12 05 11	WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 03 18 05 11	HURRICANE DEDUCTIBLE	AL, DE, GA, MA, NH
HO 03 18 04 10	HURRICANE DEDUCTIBLE	VA
HO 04 05 12 02	LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORMS HO 00 03 AND HO 00 05	OR
HO 04 10 10 00	ADDITIONAL INTERESTS – RESIDENCE PREMISES	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 10 04 91	ADDITIONAL INTERESTS – RESIDENCE PREMISES	VA
HO 04 11 05 11	ADDITIONAL LIMITS OF LIABILITY FOR COVERAGES A, B, C AND D	AK, AL, AZ, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WY
HO 04 11 10 00	ADDITIONAL LIMITS OF LIABILITY FOR COVERAGES A, B, C AND D	PR
HO 04 12 05 11	INCREASED LIMITS ON BUSINESS PROPERTY	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 12 10 00	INCREASED LIMITS ON BUSINESS PROPERTY	PR
HO 04 13 10 00	SECTIONS I AND II EXCLUSIONS FOR COMPUTER-RELATED DAMAGE OR INJURY	AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 04 13 09 98	SECTIONS I AND II EXCLUSIONS FOR COMPUTER-RELATED DAMAGE OR INJURY	VA
HO 04 14 02 17	SPECIAL COMPUTER COVERAGE	AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WA, WI, WV, WY
HO 04 14 05 11	SPECIAL COMPUTER COVERAGE	HI, MT
HO 04 14 10 00	SPECIAL COMPUTER COVERAGE	PR
HO 04 14 04 91	SPECIAL COMPUTER COVERAGE	VA
HO 04 15 10 00	SECTION II – LIMITED COVERAGE FOR YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMS	AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 04 15 09 98	SECTION II – LIMITED COVERAGE FOR YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMS	VA
HO 04 16 10 00	PREMISES ALARM OR FIRE PROTECTION SYSTEM	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 16 04 91	PREMISES ALARM OR FIRE PROTECTION SYSTEM	VA
HO 04 18 10 00	DEFERRED PREMIUM PAYMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 18 04 91	DEFERRED PREMIUM PAYMENT	VA
HO 04 20 05 11	SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A – DWELLING	AK, AL, AZ, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WY
HO 04 20 10 00	SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A – DWELLING	PR
HO 04 26 05 11	LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE	AL, AZ, CA, CO, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 04 26 04 02	LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH ALL FORMS EXCEPT HO 00 03 AND HO 00 05	PR
HO 04 27 05 11	LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE	AL, AZ, CA, CO, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 04 27 04 02	LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORMS HO 00 03 AND HO 00 05	PR
HO 04 28 05 11	LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE	AL, AZ, CA, CO, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 04 28 04 02	LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORM HO 00 04 WITH HO 05 24 AND FORM HO 00 06 WITH HO 17 31 OR HO 17 32	PR
HO 04 30 02 17	THEFT COVERAGE INCREASE	AK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, NC, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI
HO 04 30 05 11	THEFT COVERAGE INCREASE	HI, MT
HO 04 30 10 00	THEFT COVERAGE INCREASE	AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, MT, NC, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI
HO 04 32 05 02	LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORM HO 00 03	PR
HO 04 33 05 02	LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORM HO 00 03 WITH HO 00 15 AND FORM HO 00 06 WITH HO 17 31 OR HO 17 32	PR
HO 04 35 05 11	SUPPLEMENTAL LOSS ASSESSMENT COVERAGE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 35 10 00	LOSS ASSESSMENT COVERAGE	PR
HO 04 35 04 91	LOSS ASSESSMENT COVERAGE	VA
HO 04 36 05 11	LOSS ASSESSMENT COVERAGE FOR EARTHQUAKE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 36 10 00	LOSS ASSESSMENT COVERAGE FOR EARTHQUAKE	PR
HO 04 36 04 91	LOSS ASSESSMENT COVERAGE FOR EARTHQUAKE	VA
HO 04 40 10 00	STRUCTURES RENTED TO OTHERS – RESIDENCE PREMISES	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 40 04 91	STRUCTURES RENTED TO OTHERS – RESIDENCE PREMISES	VA
HO 04 41 10 00	ADDITIONAL INSURED – RESIDENCE PREMISES	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 41 04 91	ADDITIONAL INSURED – RESIDENCE PREMISES	VA
HO 04 42 10 00	PERMITTED INCIDENTAL OCCUPANCIES – RESIDENCE PREMISES	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 43 05 11	REPLACEMENT COST LOSS SETTLEMENT FOR CERTAIN NON-BUILDING STRUCTURES ON THE RESIDENCE PREMISES	AK, AL, AR, AZ, CO, CT, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 43 10 00	REPLACEMENT COST LOSS SETTLEMENT FOR CERTAIN NON-BUILDING STRUCTURES ON THE RESIDENCE PREMISES	PR
HO 04 46 10 00	INFLATION GUARD	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 46 04 91	INFLATION GUARD	VA
HO 04 48 10 00	OTHER STRUCTURES ON THE RESIDENCE PREMISES – INCREASED LIMITS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 48 04 91	OTHER STRUCTURES – INCREASED LIMITS	VA
HO 04 49 10 00	BUILDING ADDITIONS AND ALTERATIONS – OTHER RESIDENCE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 49 04 91	BUILDING ADDITIONS AND ALTERATIONS – OTHER RESIDENCE	VA
HO 04 50 05 11	INCREASED AMOUNT OF INSURANCE FOR PERSONAL PROPERTY AT OTHER RESIDENCES	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 50 10 00	PERSONAL PROPERTY AT OTHER RESIDENCES – INCREASED LIMIT	PR
HO 04 50 04 91	INCREASED LIMIT ON PERSONAL PROPERTY IN OTHER RESIDENCES	VA
HO 04 51 10 00	BUILDING ADDITIONS AND ALTERATIONS – INCREASED LIMIT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 51 04 91	BUILDING ADDITIONS AND ALTERATIONS INCREASED LIMIT – FORM HO 00 04	VA
HO 04 52 05 11	LIVESTOCK COLLISION COVERAGE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 52 10 00	LIVESTOCK COLLISION COVERAGE	PR
HO 04 53 10 00	CREDIT CARD, ELECTRONIC FUND TRANSFER CARD OR ACCESS DEVICE, FORGERY AND COUNTERFEIT MONEY COVERAGE – INCREASED LIMIT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 53 04 91	CREDIT CARD, FUND TRANSFER CARD, FORGERY AND COUNTERFEIT MONEY COVERAGE – INCREASED LIMIT	VA
HO 04 54 05 11	EARTHQUAKE	AK, AL, AR, AZ, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 54 10 00	EARTHQUAKE	AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 55 05 11	IDENTITY FRAUD EXPENSE COVERAGE	AK, AL, AR, AZ, CO, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, WY
HO 04 55 03 03	IDENTITY FRAUD EXPENSE COVERAGE	PR
HO 04 56 05 11	SPECIAL LOSS SETTLEMENT	AK, AL, AR, AZ, CO, CT, DC, DE, GU, IA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI
HO 04 56 10 00	SPECIAL LOSS SETTLEMENT	PR
HO 04 58 02 17	OTHER MEMBERS OF YOUR HOUSEHOLD	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 58 05 11	OTHER MEMBERS OF YOUR HOUSEHOLD	HI, MT
HO 04 58 10 00	OTHER MEMBERS OF YOUR HOUSEHOLD	PR
HO 04 59 05 11	ASSISTED LIVING CARE COVERAGE	AK, AL, AR, AZ, CA, CT, DC, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 59 10 00	ASSISTED LIVING CARE COVERAGE	PR
HO 04 60 05 11	SCHEDULED PERSONAL PROPERTY ENDORSEMENT (WITH AGREED VALUE LOSS SETTLEMENT)	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 60 10 00	SCHEDULED PERSONAL PROPERTY ENDORSEMENT (WITH AGREED VALUE LOSS SETTLEMENT)	PR
HO 04 61 05 11	SCHEDULED PERSONAL PROPERTY ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 04 61 10 00	SCHEDULED PERSONAL PROPERTY ENDORSEMENT	PR
HO 04 61 04 91	SCHEDULED PERSONAL PROPERTY ENDORSEMENT	VA
HO 04 62 05 11	SCHEDULED PERSONAL PROPERTY ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 62 10 00	SCHEDULED PERSONAL PROPERTY ENDORSEMENT (COPY OF PAGE 1 OF HO 04 61)	MA, PR
HO 04 62 04 91	SCHEDULED PERSONAL PROPERTY ENDORSEMENT – COPY OF PAGE 1 OF HO 04 61	VA
HO 04 65 05 11	COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 65 10 00	COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY	PR
HO 04 66 05 11	COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 66 10 00	COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY – TO BE USED WITH FORM HO 00 05; FORM HO 00 04 WITH ENDORSEMENT HO 05 24 AND FORM HO 00 06 WITH ENDORSEMENT HO 17 31	PR
HO 04 69 01 14	LIMITED WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGE – TEXAS	TX
HO 04 77 10 00 HO 04 77 03 22	ORDINANCE OR LAW INCREASED AMOUNT OF COVERAGE ORDINANCE OR LAW INCREASED AMOUNT OF COVERAGE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 77 04 91	ORDINANCE OR LAW COVERAGE	VA
HO 04 78 05 11	MULTIPLE COMPANY INSURANCE	AK, AL, AR, AZ, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 78 10 00	MULTIPLE COMPANY INSURANCE	PR
HO 04 78 04 91	MULTIPLE COMPANY INSURANCE	VA
HO 04 81 05 11	ACTUAL CASH VALUE LOSS SETTLEMENT	AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WY
HO 04 81 10 00	ACTUAL CASH VALUE LOSS SETTLEMENT	PR
HO 04 85 10 00	FIRE DEPARTMENT CLAUSE (SUBSCRIPTION CONTRACT SERVICES)	AK, AL, AZ, GU, MT, OR, TX
HO 04 90 05 11	PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENT	AK, AL, AR, AZ, CO, CT, DC, DE, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, UT, VI, VT, WI, WY
HO 04 90 10 00	PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENT	PR
HO 04 91 02 17	COVERAGE B – OTHER STRUCTURES AWAY FROM THE RESIDENCE PREMISES	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 91 05 11	COVERAGE B – OTHER STRUCTURES AWAY FROM THE RESIDENCE PREMISES	HI, MT
HO 04 91 10 00	COVERAGE B – OTHER STRUCTURES AWAY FROM THE RESIDENCE PREMISES	PR
HO 04 91 04 91	COVERAGE B – OFF PREMISES FORMS HO 00 01, HO 00 02 AND HO 00 03	VA
HO 04 92 02 17	SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISES	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 04 92 05 11	SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISES	HI, MT
HO 04 92 10 00	SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISES	PR
HO 04 92 04 91	SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISES	VA
HO 04 93 04 16	ACTUAL CASH VALUE LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACING	AZ, CO, CT, DC, DE, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, UT, WI, WY
HO 04 93 05 11	ACTUAL CASH VALUE LOSS SETTLEMENT WINDSTORM OR HAIL LOSSES TO ROOF SURFACING	AK, AL, CA, GA, GU, HI, NC, VI, VT
HO 04 93 10 00	ACTUAL CASH VALUE LOSS SETTLEMENT WINDSTORM OR HAIL LOSSES TO ROOF SURFACING	PR
HO 04 94 10 00	WINDSTORM OR HAIL EXCLUSION	AL, GA, GU, LA, MS, VI
HO 04 95 01 14	LIMITED WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGE	AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 04 95 05 11	LIMITED WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGE	HI
HO 04 95 01 09	WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW	PR
HO 04 95 10 00	WATER BACK UP AND SUMP DISCHARGE OR OVERFLOW	AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 04 96 10 00	NO SECTION II – LIABILITY COVERAGES FOR HOME DAY CARE BUSINESS LIMITED SECTION I – PROPERTY COVERAGES FOR HOME DAY CARE BUSINESS	PR
HO 04 97 05 11	HOME DAY CARE COVERAGE ENDORSEMENT	AK, AL, AR, AZ, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, PA, RI, SC, SD, TN, TX, UT, VI, WI, WV, WY
HO 04 97 10 00	HOME DAY CARE COVERAGE ENDORSEMENT	PR
HO 04 98 05 11	REFRIGERATED PROPERTY COVERAGE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 98 10 00	REFRIGERATED PROPERTY COVERAGE	PR
HO 04 98 04 91	REFRIGERATED PROPERTY COVERAGE	VA
HO 04 99 10 00	SINKHOLE COLLAPSE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TX, UT, VI, VT, WA, WI, WV, WY
HO 04 99 04 91	SINKHOLE COLLAPSE	VA
MH 04 01 05 11	MOBILEHOME ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
MH 04 01 04 91	MOBILEHOME ENDORSEMENT	VA
MH 04 02 05 11	ACTUAL CASH VALUE MOBILEHOME	AK, AL, AR, AZ, CA, CO, CT, DE, GU, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SD, TN, UT, VI, VT, WI, WV, WY
MH 04 02 04 91	ACTUAL CASH VALUE MOBILEHOME	VA
MH 04 03 05 11	TRANSPORTATION/PERMISSION TO MOVE	AK, AL, AR, AZ, CA, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
MH 04 03 04 91	TRANSPORTATION/PERMISSION TO MOVE	VA
MH 04 04 10 00	MOBILEHOME LIENHOLDER’S SINGLE INTEREST	AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, WY
MH 04 04 04 91	MOBILEHOME LIENHOLDER’S SINGLE INTEREST	VA
MH 04 06 10 00	PROPERTY REMOVED INCREASED LIMIT	AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
MH 04 06 04 91	PROPERTY REMOVED INCREASED LIMIT	VA
MH 04 08 10 00	ORDINANCE OR LAW COVERAGE	AK, AL, AR, AZ, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, WY
MH 04 25 04 16	ACTUAL CASH VALUE LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO MOBILEHOME ROOF SURFACING	AZ, CO, CT, DC, DE, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, UT, WI, WY
MH 04 26 10 15	RESIDENCE PREMISES DEFINITION ENDORSEMENT – MOBILEHOME	AL, AR, AZ, CO, CT, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
MH 04 27 10 15	BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENT – MOBILEHOME	AL, AR, AZ, CO, CT, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 05 24 05 11	SPECIAL PERSONAL PROPERTY COVERAGE	AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 05 24 10 00	SPECIAL PERSONAL PROPERTY COVERAGE – FORM HO 00 04 ONLY	PR
HO 05 27 05 11	ADDITIONAL INSURED – STUDENT LIVING AWAY FROM THE RESIDENCE PREMISES	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 05 27 10 00	ADDITIONAL INSURED – STUDENT LIVING AWAY FROM THE RESIDENCE PREMISES	PR
HO 05 28 05 11	OWNED MOTORIZED GOLF CART PHYSICAL LOSS COVERAGE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 05 28 10 00	OWNED MOTORIZED GOLF CART PHYSICAL LOSS COVERAGE	PR
HO 05 30 05 11	FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENT	AL, AR, CO, DC, DE, GU, IL, IN, KS, KY, MA, MD, ME, MI, MT, ND, NE, NH, NV, OH, SD, TN, TX, UT, VI, VT, WI, WY
HO 05 30 10 00	FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENT	PR
HO 05 31 05 11	MODIFIED FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENT	AZ, CT, HI, IA, ID, MN, MO, MS, NY, OK, OR, PA, RI, SC
HO 05 31 10 00	MODIFIED FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENT	AZ, CA, FL, GA, HI, IA, ID, MN, MO, MS, NY, OK, OR, PA, RI, SC
HO 05 41 02 17	EXTENDED THEFT COVERAGE FOR RESIDENCE PREMISES OCCASIONALLY RENTED TO OTHERS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 05 41 10 00	EXTENDED THEFT COVERAGE FOR RESIDENCE PREMISES OCCASIONALLY RENTED TO OTHERS	HI, MT, PR
HO 05 43 10 00	RESIDENCE HELD IN TRUST	PR
HO 05 46 10 00	LANDLORD’S FURNISHINGS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 05 62 04 01	ORDINANCE OR LAW COVERAGE	ME
HO 05 71 11 99	RATING INFORMATION – PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES	CT
HO 05 80 05 11	PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES	AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IN, KY, MS, MT, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT, VI, WV, WY
HO 05 80 10 00	PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES – ALL FORMS EXCEPT FORMS HO 00 04 AND HO 00 06	AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IN, KY, MS, MT, NE, NM, NV, OH, OK, SC, SD, TN, UT, VI, WV, WY
HO 05 80 05 97	PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES – ALL FORMS EXCEPT FORMS HO 00 04 AND HO 00 06	AL, AR, AZ, CA, CO, DE, FL, GA, IA, ID, IN, KY, MS, MY, NE, NM, NV, OH, OK, SC, SD, TN, UT, VI, WI, WV, WY
HO 05 81 05 11	PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES	AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IN, KY, MS, MT, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT, VI, WV, WY
HO 05 82 05 11	PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES	AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, IN, KY, MS, MT, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT, VI, WV, WY
HO 05 84 05 11	PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES	IL, KS, MI, MN, MO, ND, OR, PA
HO 05 85 05 11	PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES	IL, KS, MI, MN, MO, ND, OR, PA
HO 05 86 05 11	PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES	IL, KS, MI, MN, MO, ND, OR, PA
HO 06 07 05 11	LIMITED COVERAGE FOR THEFT OF PERSONAL PROPERTY LOCATED IN A DWELLING UNDER CONSTRUCTION	AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI, WV, WY
HO 06 12 02 17	TRUST ENDORSEMENT	AL, CT, LA, MA, MN, MO, ND, NE, NY, OH, TX, VT
HO 06 14 05 11	INCREASED AMOUNT OF INSURANCE FOR PERSONAL PROPERTY LOCATED IN A SELF-STORAGE FACILITY	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 06 15 02 17	TRUST ENDORSEMENT	AK, AR, AZ, CA, CO, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, MD, ME, MI, MS, NH, NJ, NM, NV, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 06 15 05 11	TRUST ENDORSEMENT	HI, MT
HO 06 31 01 14	GREEN UPGRADES COVERAGE	AK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WY
HO 06 33 01 14	MECHANICAL BREAKDOWN COVERAGE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 43 04 16	COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL	AR, AZ, CO, DC, DE, IA, ID, IL, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, WI, WV
HO 06 44 04 16	ROOF SURFACING COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL	AR, AZ, CO, DC, DE, IA, ID, IL, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, WI, WV
HO 06 46 04 16	LIMITED LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACING	AZ, CO, CT, DC, DE, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, WI, WY
HO 06 48 10 15	RESIDENCE PREMISES DEFINITION ENDORSEMENT	AL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 06 49 10 15	BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENT	AL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 06 51 02 17	DAMAGE TO PROPERTY OF OTHERS – INCREASED LIMITS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 52 02 17	HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 53 02 17	HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 54 02 17	HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 55 02 17	HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 56 02 17	HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 58 02 17	HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENT	AK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI
HO 06 62 02 17	BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 63 02 17	BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 64 02 17	BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 65 02 17	BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 66 02 17	BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 06 68 02 17	BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENT	AK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI
HO 07 01 05 11	HOME BUSINESS INSURANCE COVERAGE	AK, AL, AR, AZ, CA, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, UT, VI, WI, WV, WY
HO 07 50 05 11	ADDITIONAL INSURED – MANAGERS OR LESSORS OF PREMISES LEASED TO AN INSURED	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 07 51 10 00	ADDITIONAL INSURED – VENDORS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 07 52 05 11	LOSS PAYABLE PROVISIONS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 07 53 10 00	EXCLUSION – PERSONAL AND ADVERTISING INJURY	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 07 54 10 00	LIQUOR LIABILITY EXCLUSION AND EXCEPTION FOR SCHEDULED ACTIVITIES	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 07 55 05 11	SPECIAL COVERAGE – SPOILAGE OF PERISHABLE STOCK	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 07 56 10 00	VALUABLE PAPERS AND RECORDS COVERAGE INCREASED LIMITS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 07 57 05 11	SPECIAL COVERAGE FOR VALUABLE PAPERS AND RECORDS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 07 58 10 00	SECTIONS I AND II EXCLUSIONS FOR COMPUTER-RELATED DAMAGE OR INJURY	AK, AL, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 07 59 10 00	SECTIONS I AND II – LIMITED COVERAGE FOR YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMS	AK, AL, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 12 45 10 00	CHANGE ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, LA, MA, MD, ME, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VI, VT, WA, WI, WV, WY
HO 12 45 04 91	CHANGE ENDORSEMENT	VA
HO 12 76 10 00	HOMEOWNERS RATING INFORMATION	AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 12 76 04 91	HOMEOWNERS RATING INFORMATION	VA
HO 16 09 01 09	WATER EXCLUSION ENDORSEMENT	PR
HO 16 10 01 09	WATER EXCLUSION ENDORSEMENT	PR
HO 17 31 03 22	UNIT-OWNERS COVERAGE C SPECIAL COVERAGE	AR, AZ, CO, DC, DE, GU, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, WI, WV, WY
HO 17 31 05 11	UNIT-OWNERS COVERAGE C SPECIAL COVERAGE	AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 17 31 10 00	UNIT-OWNERS COVERAGE C SPECIAL COVERAGE	PR
HO 17 32 02 17	UNIT-OWNERS COVERAGE A SPECIAL COVERAGE	AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 17 32 05 11	UNIT-OWNERS COVERAGE A SPECIAL COVERAGE	HI, MT
HO 17 32 10 00	UNIT-OWNERS COVERAGE A SPECIAL COVERAGE	PR
HO 17 33 02 17	UNIT-OWNERS RENTAL TO OTHERS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 17 33 05 11	UNIT-OWNERS RENTAL TO OTHERS	HI, MT
HO 17 33 10 00	UNIT-OWNERS RENTAL TO OTHERS	PR
HO 17 34 10 00	UNIT-OWNERS MODIFIED OTHER INSURANCE AND SERVICE AGREEMENT CONDITION	PR
HO 17 47 10 15	BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENT – UNIT-OWNERS	AL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 17 48 10 15	RESIDENCE PREMISES DEFINITION ENDORSEMENT – UNIT-OWNERS	AL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 24 10 05 11	PERSONAL INJURY COVERAGE (AGGREGATE LIMIT OF LIABILITY)	AL, AZ, CA, CO, DC, DE, GA, GU, HI, IA, ID, IN, KS, KY, MA, MD, ME, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 24 13 05 11	INCIDENTAL LOW POWER RECREATIONAL MOTOR VEHICLE LIABILITY COVERAGE ENDORSEMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 24 13 10 00	INCIDENTAL LOW POWER RECREATIONAL MOTOR VEHICLE	NJ, PR
HO 24 13 04 91	INCIDENTAL MOTORIZED LAND CONVEYANCES	VA
HO 24 37 12 12	ELECTRIC VEHICLE CHARGING STATION LIABILITY COVERAGES – CALIFORNIA	CA
HO 24 38 12 13	ELECTRIC VEHICLE CHARGING STATION LIABILITY COVERAGES – COLORADO	CO
HO 24 39 01 14	ELECTRIC VEHICLE CHARGING STATION LIABILITY COVERAGES – OREGON	OR
HO 24 43 10 00	PERMITTED INCIDENTAL OCCUPANCIES – OTHER RESIDENCE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 24 43 04 91	PERMITTED INCIDENTAL OCCUPANCIES – OTHER RESIDENCE	VA
HO 24 64 12 94	SNOWMOBILE – IOWA	IA
HO 24 64 10 00	OWNED SNOWMOBILE	AK, AL, AR, AZ, CA, DC, DE, FL, IA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NM, NV, NY, OK, PA, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 24 64 04 91	SNOWMOBILE	VA
HO 24 70 10 00	ADDITIONAL RESIDENCE RENTED TO OTHERS 1,2,3 OR 4 FAMILIES	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO 24 70 04 91	ADDITIONAL RESIDENCE RENTED TO OTHERS 1, 2, 3 OR 4 FAMILIES	VA
HO 24 71 10 00	BUSINESS PURSUITS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 24 71 04 91	BUSINESS PURSUITS	VA
HO 24 72 10 00	INCIDENTAL FARMING PERSONAL LIABILITY	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO 24 72 04 91	INCIDENTAL FARMING PERSONAL LIABILITY	VA
HO 24 73 02 17	FARMERS PERSONAL LIABILITY	AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, IA, ID, KS, KY, LA, MA, MD, ME, MI, MN, MS, NE, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, UT, VI, WI, WV, WY
HO 24 73 05 11	FARMERS PERSONAL LIABILITY	HI, MT
HO 24 73 10 00	FARMERS PERSONAL LIABILITY	PR
HO 24 73 04 91	FARMERS PERSONAL LIABILITY	VA
HO 24 74 04 91	THREE OR FOUR FAMILY DWELLING PREMISES LIABILITY – FORM HO 00 04	VA
HO 24 75 10 00	WATERCRAFT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, VI, VT, WA, WI, WV, WY
HO 24 75 04 91	WATERCRAFT	VA
HO 24 77 05 11	CANINE LIABILITY EXCLUSION ENDORSEMENT	AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WI, WV, WY
HO 24 82 05 11	PERSONAL INJURY COVERAGE	AL, AZ, CA, CO, DC, DE, GA, GU, HI, IA, ID, IN, KS, KY, MA, MD, ME, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 24 82 10 00	PERSONAL INJURY	AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO 24 82 04 02	PERSONAL INJURY	PR
HO 24 82 04 91	PERSONAL INJURY	VA
HO 24 90 08 01	WORKERS COMPENSATION RESIDENCE EMPLOYEES – CALIFORNIA	CA
HO 24 96 10 00	EXCLUSION OF FARM EMPLOYEES ILLEGALLY EMPLOYED	AL, AR, AZ, CO, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI, WV, WY
HO 24 96 04 91	EXCLUSION OF FARM EMPLOYEES ILLEGALLY EMPLOYED	VA
HO 34 02 02 17	AIRCRAFT LIABILITY DEFINITION REVISED TO REMOVE EXCEPTION FOR MODEL OR HOBBY AIRCRAFT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI, WV, WY
HO 34 03 02 17	PERSONAL INJURY FOR AIRCRAFT LIABILITY EXCLUDED	AL, AZ, CA, CO, DC, DE, GA, GU, IA, ID, IN, KS, KY, MA, MD, ME, MO, MS, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO DS 01 05 11	HOMEOWNERS POLICY DECLARATIONS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
MH DS 01 05 11	MOBILEHOME POLICY DECLARATIONS	AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO C 001 05 11	CERTIFICATE OF HOMEOWNERS INSURANCE – TRUSTS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO N 003 05 11	CANINE LIABILITY EXCLUSION ENDORSEMENT ACKNOWLEDGMENT	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WI, WV, WY
HO N 009 10 15	RESIDENCE PREMISES QUESTIONNAIRE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 004 05 11	LIMITED HOME DAY CARE COVERAGE ADVISORY NOTICE TO POLICYHOLDERS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, PA, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY
HO P 005 05 11	RATING INFORMATION FOR PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY NOTICE	AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VI, WI, WV, WY
HO P 011 05 11	ADVISORY NOTICE TO POLICYHOLDERS (ENDORSEMENTS)	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 012 05 11	ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 2 – BROAD FORM)	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 013 05 11	ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 3 – SPECIAL FORM)	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 014 05 11	ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 4 – TENANTS FORM)	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 015 05 11	ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 5 – COMPREHENSIVE FORM)	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 016 05 11	ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 6 – UNIT-OWNERS FORM)	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 018 05 11	ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 8 – MODIFIED COVERAGE FORM)	AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MD, MN, MO, MS, MT, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VI, WI, WV
HO P 023 10 15	ADVISORY NOTICE TO POLICYHOLDERS (DEFINITION OF RESIDENCE PREMISES)	AL, AR, AZ, CO, DC, DE, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, UT, VI, VT, WI, WV, WY
HO P 063 10 15	ADVISORY NOTICE TO POLICYHOLDERS REGARDING HOME-SHARING SERVICES	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO P 066 03 17	ADVISORY NOTICE TO POLICYHOLDERS (HOME-SHARING HOST ACTIVITIES)	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
HO P 081 11 17	LIMITED LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACING ADVISORY NOTICE TO POLICYHOLDERS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
HO P 082 11 17	COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL ENDORSEMENT ADVISORY NOTICE TO POLICYHOLDERS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
HO P 083 11 17	ROOF SURFACING COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL ENDORSEMENT ADVISORY NOTICE TO POLICYHOLDERS	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
HO R 016 05 11	YOUR HOMEOWNERS 2 – BROAD FORM QUICK REFERENCE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO R 017 05 11	YOUR HOMEOWNERS 3 – SPECIAL FORM QUICK REFERENCE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO R 018 05 11	YOUR HOMEOWNERS 4 – CONTENTS BROAD FORM QUICK REFERENCE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO R 019 05 11	YOUR HOMEOWNERS 5 – COMPREHENSIVE FORM QUICK REFERENCE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO R 020 05 11	YOUR HOMEOWNERS 6 – UNIT-OWNERS FORM QUICK REFERENCE	AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, VT, WI, WV, WY
HO R 021 05 11	YOUR HOMEOWNERS 8 – MODIFIED COVERAGE FORM QUICK REFERENCE	AK, AL, AR, AZ, CA, CO, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MN, MO, MS, MT, NC, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VI, WI