Category: Appraisal Panel

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ISO HOMEOWNERS FORMS LIST

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

Form Number TitleApplicable States
HO 00 02 05 11HOMEOWNERS 2 – BROAD FORMAK, 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 00HOMEOWNERS 2 – BROAD FORMPR
HO 00 02 04 91HOMEOWNERS 2 BROAD FORMVA
HO 00 03 05 11 HO 00 03 03 22HOMEOWNERS 3 – SPECIAL FORM HOMEOWNERS 3 – SPECIAL FORMAK, 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 00HOMEOWNERS 3 – SPECIAL FORMPR
HO 00 03 04 91HOMEOWNERS 3 SPECIAL FORMVA
HO 00 04 05 11HOMEOWNERS 4 – CONTENTS BROAD FORMAK, 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 00HOMEOWNERS 4 – CONTENTS BROAD FORMPR
HO 00 04 04 91HOMEOWNERS 4 CONTENTS BROAD FORMVA
HO 00 05 05 11HOMEOWNERS 5 – COMPREHENSIVE FORMAK, 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 00HOMEOWNERS 5 – COMPREHENSIVE FORMPR
HO 00 06 05 11HOMEOWNERS 6 – UNIT-OWNERS FORMAK, 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 00HOMEOWNERS 6 – UNIT-OWNERS FORMPR
HO 00 06 04 91HOMEOWNERS 6 UNIT-OWNERS FORMVA
HO 00 08 05 11HOMEOWNERS 8 – MODIFIED COVERAGE FORMAK, 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 22HOMEOWNERS 14 – CONTENTS COMPREHENSIVE FORMAR, 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 11TRANSITION ENDORSEMENT FOR HO 00 02, HOMEOWNERS 2 – BROAD FORMAK, 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 11TRANSITION ENDORSEMENT FOR HO 00 03, HOMEOWNERS 3 – SPECIAL FORMAK, 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 11TRANSITION ENDORSEMENT FOR HO 00 04, HOMEOWNERS 4 – CONTENTS BROAD FORMAK, 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 11TRANSITION ENDORSEMENT FOR HO 00 05, HOMEOWNERS 5 – COMPREHENSIVE FORMAK, 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 11TRANSITION ENDORSEMENT FOR HO 00 06, HOMEOWNERS 6 – UNIT-OWNERS FORMAK, 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 11TRANSITION ENDORSEMENT FOR HO 00 08, HOMEOWNERS 8 – MODIFIED COVERAGE FORMAK, 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 11WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLEAK, 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 11HURRICANE DEDUCTIBLEAL, DE, GA, MA, NH
HO 03 18 04 10HURRICANE DEDUCTIBLEVA
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 00ADDITIONAL INTERESTS – RESIDENCE PREMISESAK, 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 91ADDITIONAL INTERESTS – RESIDENCE PREMISESVA
HO 04 11 05 11ADDITIONAL LIMITS OF LIABILITY FOR COVERAGES A, B, C AND DAK, 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 00ADDITIONAL LIMITS OF LIABILITY FOR COVERAGES A, B, C AND DPR
HO 04 12 05 11INCREASED LIMITS ON BUSINESS PROPERTYAK, 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 00INCREASED LIMITS ON BUSINESS PROPERTYPR
HO 04 13 10 00SECTIONS I AND II EXCLUSIONS FOR COMPUTER-RELATED DAMAGE OR INJURYAK, 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 98SECTIONS I AND II EXCLUSIONS FOR COMPUTER-RELATED DAMAGE OR INJURYVA
HO 04 14 02 17SPECIAL COMPUTER COVERAGEAL, 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 11SPECIAL COMPUTER COVERAGEHI, MT
HO 04 14 10 00SPECIAL COMPUTER COVERAGEPR
HO 04 14 04 91SPECIAL COMPUTER COVERAGEVA
HO 04 15 10 00SECTION II – LIMITED COVERAGE FOR YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMSAK, 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 98SECTION II – LIMITED COVERAGE FOR YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMSVA
HO 04 16 10 00PREMISES ALARM OR FIRE PROTECTION SYSTEMAK, 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 91PREMISES ALARM OR FIRE PROTECTION SYSTEMVA
HO 04 18 10 00DEFERRED PREMIUM PAYMENTAK, 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 91DEFERRED PREMIUM PAYMENTVA
HO 04 20 05 11SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A – DWELLINGAK, 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 00SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A – DWELLINGPR
HO 04 26 05 11LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGEAL, 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 02LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH ALL FORMS EXCEPT HO 00 03 AND HO 00 05PR
HO 04 27 05 11LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGEAL, 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 02LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORMS HO 00 03 AND HO 00 05PR
HO 04 28 05 11LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGEAL, 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 02LIMITED 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 32PR
HO 04 30 02 17THEFT COVERAGE INCREASEAK, 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 11THEFT COVERAGE INCREASEHI, MT
HO 04 30 10 00THEFT COVERAGE INCREASEAK, 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 02LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORM HO 00 03PR
HO 04 33 05 02LIMITED 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 32PR
HO 04 35 05 11SUPPLEMENTAL LOSS ASSESSMENT COVERAGEAK, 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 00LOSS ASSESSMENT COVERAGEPR
HO 04 35 04 91LOSS ASSESSMENT COVERAGEVA
HO 04 36 05 11LOSS ASSESSMENT COVERAGE FOR EARTHQUAKEAK, 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 00LOSS ASSESSMENT COVERAGE FOR EARTHQUAKEPR
HO 04 36 04 91LOSS ASSESSMENT COVERAGE FOR EARTHQUAKEVA
HO 04 40 10 00STRUCTURES RENTED TO OTHERS – RESIDENCE PREMISESAK, 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 91STRUCTURES RENTED TO OTHERS – RESIDENCE PREMISESVA
HO 04 41 10 00ADDITIONAL INSURED – RESIDENCE PREMISESAK, 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 91ADDITIONAL INSURED – RESIDENCE PREMISESVA
HO 04 42 10 00PERMITTED INCIDENTAL OCCUPANCIES – RESIDENCE PREMISESAK, 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 11REPLACEMENT COST LOSS SETTLEMENT FOR CERTAIN NON-BUILDING STRUCTURES ON THE RESIDENCE PREMISESAK, 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 00REPLACEMENT COST LOSS SETTLEMENT FOR CERTAIN NON-BUILDING STRUCTURES ON THE RESIDENCE PREMISESPR
HO 04 46 10 00INFLATION GUARDAK, 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 91INFLATION GUARDVA
HO 04 48 10 00OTHER STRUCTURES ON THE RESIDENCE PREMISES – INCREASED LIMITSAK, 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 91OTHER STRUCTURES – INCREASED LIMITSVA
HO 04 49 10 00BUILDING ADDITIONS AND ALTERATIONS – OTHER RESIDENCEAK, 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 91BUILDING ADDITIONS AND ALTERATIONS – OTHER RESIDENCEVA
HO 04 50 05 11INCREASED AMOUNT OF INSURANCE FOR PERSONAL PROPERTY AT OTHER RESIDENCESAK, 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 00PERSONAL PROPERTY AT OTHER RESIDENCES – INCREASED LIMITPR
HO 04 50 04 91INCREASED LIMIT ON PERSONAL PROPERTY IN OTHER RESIDENCESVA
HO 04 51 10 00BUILDING ADDITIONS AND ALTERATIONS – INCREASED LIMITAK, 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 91BUILDING ADDITIONS AND ALTERATIONS INCREASED LIMIT – FORM HO 00 04VA
HO 04 52 05 11LIVESTOCK COLLISION COVERAGEAK, 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 00LIVESTOCK COLLISION COVERAGEPR
HO 04 53 10 00CREDIT CARD, ELECTRONIC FUND TRANSFER CARD OR ACCESS DEVICE, FORGERY AND COUNTERFEIT MONEY COVERAGE – INCREASED LIMITAK, 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 91CREDIT CARD, FUND TRANSFER CARD, FORGERY AND COUNTERFEIT MONEY COVERAGE – INCREASED LIMITVA
HO 04 54 05 11EARTHQUAKEAK, 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 00EARTHQUAKEAK, 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 11IDENTITY FRAUD EXPENSE COVERAGEAK, 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 03IDENTITY FRAUD EXPENSE COVERAGEPR
HO 04 56 05 11SPECIAL LOSS SETTLEMENTAK, 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 00SPECIAL LOSS SETTLEMENTPR
HO 04 58 02 17OTHER MEMBERS OF YOUR HOUSEHOLDAK, 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 11OTHER MEMBERS OF YOUR HOUSEHOLDHI, MT
HO 04 58 10 00OTHER MEMBERS OF YOUR HOUSEHOLDPR
HO 04 59 05 11ASSISTED LIVING CARE COVERAGEAK, 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 00ASSISTED LIVING CARE COVERAGEPR
HO 04 60 05 11SCHEDULED 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 00SCHEDULED PERSONAL PROPERTY ENDORSEMENT (WITH AGREED VALUE LOSS SETTLEMENT)PR
HO 04 61 05 11SCHEDULED PERSONAL PROPERTY ENDORSEMENTAK, 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 00SCHEDULED PERSONAL PROPERTY ENDORSEMENTPR
HO 04 61 04 91SCHEDULED PERSONAL PROPERTY ENDORSEMENTVA
HO 04 62 05 11SCHEDULED PERSONAL PROPERTY ENDORSEMENTAK, 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 00SCHEDULED PERSONAL PROPERTY ENDORSEMENT (COPY OF PAGE 1 OF HO 04 61)MA, PR
HO 04 62 04 91SCHEDULED PERSONAL PROPERTY ENDORSEMENT – COPY OF PAGE 1 OF HO 04 61VA
HO 04 65 05 11COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITYAK, 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 00COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITYPR
HO 04 66 05 11COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITYAK, 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 31PR
HO 04 69 01 14LIMITED WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGE – TEXASTX
HO 04 77 10 00 HO 04 77 03 22ORDINANCE OR LAW INCREASED AMOUNT OF COVERAGE ORDINANCE OR LAW INCREASED AMOUNT OF COVERAGEAK, 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 91ORDINANCE OR LAW COVERAGEVA
HO 04 78 05 11MULTIPLE COMPANY INSURANCEAK, 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 00MULTIPLE COMPANY INSURANCEPR
HO 04 78 04 91MULTIPLE COMPANY INSURANCEVA
HO 04 81 05 11ACTUAL CASH VALUE LOSS SETTLEMENTAL, 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 00ACTUAL CASH VALUE LOSS SETTLEMENTPR
HO 04 85 10 00FIRE DEPARTMENT CLAUSE (SUBSCRIPTION CONTRACT SERVICES)AK, AL, AZ, GU, MT, OR, TX
HO 04 90 05 11PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENTAK, 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 00PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENTPR
HO 04 91 02 17COVERAGE B – OTHER STRUCTURES AWAY FROM THE RESIDENCE PREMISESAK, 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 11COVERAGE B – OTHER STRUCTURES AWAY FROM THE RESIDENCE PREMISESHI, MT
HO 04 91 10 00COVERAGE B – OTHER STRUCTURES AWAY FROM THE RESIDENCE PREMISESPR
HO 04 91 04 91COVERAGE B – OFF PREMISES FORMS HO 00 01, HO 00 02 AND HO 00 03VA
HO 04 92 02 17SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISESAK, 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 11SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISESHI, MT
HO 04 92 10 00SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISESPR
HO 04 92 04 91SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISESVA
HO 04 93 04 16ACTUAL CASH VALUE LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACINGAZ, 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 11ACTUAL CASH VALUE LOSS SETTLEMENT WINDSTORM OR HAIL LOSSES TO ROOF SURFACINGAK, AL, CA, GA, GU, HI, NC, VI, VT
HO 04 93 10 00ACTUAL CASH VALUE LOSS SETTLEMENT WINDSTORM OR HAIL LOSSES TO ROOF SURFACINGPR
HO 04 94 10 00WINDSTORM OR HAIL EXCLUSIONAL, GA, GU, LA, MS, VI
HO 04 95 01 14LIMITED WATER BACK-UP AND  SUMP DISCHARGE OR OVERFLOW COVERAGEAL, 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 11LIMITED WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGEHI
HO 04 95 01 09WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOWPR
HO 04 95 10 00WATER BACK UP AND SUMP DISCHARGE OR OVERFLOWAL, 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 00NO SECTION II – LIABILITY COVERAGES FOR HOME DAY CARE BUSINESS LIMITED SECTION I – PROPERTY COVERAGES FOR HOME DAY CARE BUSINESSPR
HO 04 97 05 11HOME DAY CARE COVERAGE ENDORSEMENTAK, 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 00HOME DAY CARE COVERAGE ENDORSEMENTPR
HO 04 98 05 11REFRIGERATED PROPERTY COVERAGEAK, 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 00REFRIGERATED PROPERTY COVERAGEPR
HO 04 98 04 91REFRIGERATED PROPERTY COVERAGEVA
HO 04 99 10 00SINKHOLE COLLAPSEAK, 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 91SINKHOLE COLLAPSEVA
MH 04 01 05 11MOBILEHOME ENDORSEMENTAK, 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 91MOBILEHOME ENDORSEMENTVA
MH 04 02 05 11ACTUAL CASH VALUE MOBILEHOMEAK, 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 91ACTUAL CASH VALUE MOBILEHOMEVA
MH 04 03 05 11TRANSPORTATION/PERMISSION TO MOVEAK, 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 91TRANSPORTATION/PERMISSION TO MOVEVA
MH 04 04 10 00MOBILEHOME LIENHOLDER’S SINGLE INTERESTAK, 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 91MOBILEHOME LIENHOLDER’S SINGLE INTERESTVA
MH 04 06 10 00PROPERTY REMOVED INCREASED LIMITAK, 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 91PROPERTY REMOVED INCREASED LIMITVA
MH 04 08 10 00ORDINANCE OR LAW COVERAGEAK, 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 16ACTUAL CASH VALUE LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO MOBILEHOME ROOF SURFACINGAZ, 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 15RESIDENCE PREMISES DEFINITION ENDORSEMENT – MOBILEHOMEAL, 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 15BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENT – MOBILEHOMEAL, 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 11SPECIAL PERSONAL PROPERTY COVERAGEAL, 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 00SPECIAL PERSONAL PROPERTY COVERAGE – FORM HO 00 04 ONLYPR
HO 05 27 05 11ADDITIONAL INSURED – STUDENT LIVING AWAY FROM THE RESIDENCE PREMISESAK, 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 00ADDITIONAL INSURED – STUDENT LIVING AWAY FROM THE RESIDENCE PREMISESPR
HO 05 28 05 11OWNED MOTORIZED GOLF CART PHYSICAL LOSS COVERAGEAK, 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 00OWNED MOTORIZED GOLF CART PHYSICAL LOSS COVERAGEPR
HO 05 30 05 11FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENTAL, 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 00FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENTPR
HO 05 31 05 11MODIFIED FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENTAZ, CT, HI, IA, ID, MN, MO, MS, NY, OK, OR, PA, RI, SC
HO 05 31 10 00MODIFIED FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENTAZ, CA, FL, GA, HI, IA, ID, MN, MO, MS, NY, OK, OR, PA, RI, SC
HO 05 41 02 17EXTENDED THEFT COVERAGE FOR RESIDENCE PREMISES OCCASIONALLY RENTED TO OTHERSAK, 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 00EXTENDED THEFT COVERAGE FOR RESIDENCE PREMISES OCCASIONALLY RENTED TO OTHERSHI, MT, PR
HO 05 43 10 00RESIDENCE HELD IN TRUSTPR
HO 05 46 10 00LANDLORD’S FURNISHINGSAK, 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 01ORDINANCE OR LAW COVERAGEME
HO 05 71 11 99RATING INFORMATION – PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES CT
HO 05 80 05 11PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGESAL, 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 00PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES – ALL FORMS EXCEPT FORMS HO 00 04 AND HO 00 06AL, 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 97PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES – ALL FORMS EXCEPT FORMS HO 00 04 AND HO 00 06AL, 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 11PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGESAL, 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 11PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGESAL, 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 11PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGESIL, KS, MI, MN, MO, ND, OR, PA
HO 05 85 05 11PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGESIL, KS, MI, MN, MO, ND, OR, PA
HO 05 86 05 11PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGESIL, KS, MI, MN, MO, ND, OR, PA
HO 06 07 05 11LIMITED COVERAGE FOR THEFT OF PERSONAL PROPERTY LOCATED IN A DWELLING UNDER CONSTRUCTIONAL, 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 17TRUST ENDORSEMENTAL, CT, LA, MA, MN, MO, ND, NE, NY, OH, TX, VT
HO 06 14 05 11INCREASED AMOUNT OF INSURANCE FOR PERSONAL PROPERTY LOCATED IN A SELF-STORAGE FACILITYAK, 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 17TRUST ENDORSEMENTAK, 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 11TRUST ENDORSEMENTHI, MT
HO 06 31 01 14GREEN UPGRADES COVERAGEAK, 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 14MECHANICAL BREAKDOWN COVERAGEAK, 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 16COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAILAR, 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 16ROOF SURFACING COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAILAR, 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 16LIMITED LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACINGAZ, 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 15RESIDENCE PREMISES DEFINITION ENDORSEMENTAL, 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 15BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENTAL, 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 17DAMAGE TO PROPERTY OF OTHERS – INCREASED LIMITSAK, 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 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTAK, 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 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTAK, 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 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTAK, 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 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTAK, 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 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTAK, 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 17HOME-SHARING HOST ACTIVITIES AMENDATORY ENDORSEMENTAK, 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 17BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENTAK, 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 17BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENTAK, 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 17BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENTAK, 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 17BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENTAK, 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 17BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENTAK, 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 17BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENTAK, 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 11HOME BUSINESS INSURANCE COVERAGEAK, 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 11ADDITIONAL INSURED – MANAGERS OR LESSORS OF PREMISES LEASED TO AN INSUREDAK, 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 00ADDITIONAL INSURED – VENDORSAK, 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 11LOSS PAYABLE PROVISIONSAK, 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 00EXCLUSION – PERSONAL AND ADVERTISING INJURYAK, 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 00LIQUOR LIABILITY EXCLUSION AND EXCEPTION FOR SCHEDULED ACTIVITIESAK, 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 11SPECIAL COVERAGE – SPOILAGE OF PERISHABLE STOCKAK, 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 00VALUABLE PAPERS AND RECORDS COVERAGE INCREASED LIMITSAK, 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 11SPECIAL COVERAGE FOR VALUABLE PAPERS AND RECORDSAK, 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 00SECTIONS I AND II EXCLUSIONS FOR COMPUTER-RELATED DAMAGE OR INJURYAK, 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 00SECTIONS I AND II – LIMITED COVERAGE FOR YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMSAK, 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 00CHANGE ENDORSEMENTAK, 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 91CHANGE ENDORSEMENTVA
HO 12 76 10 00HOMEOWNERS RATING INFORMATIONAK, 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 91HOMEOWNERS RATING INFORMATIONVA
HO 16 09 01 09WATER EXCLUSION ENDORSEMENTPR
HO 16 10 01 09WATER EXCLUSION ENDORSEMENTPR
HO 17 31 03 22UNIT-OWNERS COVERAGE C SPECIAL COVERAGEAR, 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 11UNIT-OWNERS COVERAGE C SPECIAL COVERAGEAL, 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 00UNIT-OWNERS COVERAGE C SPECIAL COVERAGEPR
HO 17 32 02 17UNIT-OWNERS COVERAGE A SPECIAL COVERAGEAL, 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 11UNIT-OWNERS COVERAGE A SPECIAL COVERAGEHI, MT
HO 17 32 10 00UNIT-OWNERS COVERAGE A SPECIAL COVERAGEPR
HO 17 33 02 17UNIT-OWNERS RENTAL TO OTHERSAK, 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 11UNIT-OWNERS RENTAL TO OTHERSHI, MT
HO 17 33 10 00UNIT-OWNERS RENTAL TO OTHERSPR
HO 17 34 10 00UNIT-OWNERS MODIFIED OTHER INSURANCE AND SERVICE AGREEMENT CONDITIONPR
HO 17 47 10 15BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENT – UNIT-OWNERSAL, 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 15RESIDENCE PREMISES DEFINITION ENDORSEMENT – UNIT-OWNERSAL, 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 11PERSONAL 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 11INCIDENTAL LOW POWER RECREATIONAL MOTOR VEHICLE LIABILITY COVERAGE ENDORSEMENTAK, 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 00INCIDENTAL LOW POWER RECREATIONAL MOTOR VEHICLENJ, PR
HO 24 13 04 91INCIDENTAL MOTORIZED LAND CONVEYANCESVA
HO 24 37 12 12ELECTRIC VEHICLE CHARGING STATION LIABILITY COVERAGES – CALIFORNIACA
HO 24 38 12 13ELECTRIC VEHICLE CHARGING STATION LIABILITY COVERAGES – COLORADOCO
HO 24 39 01 14ELECTRIC VEHICLE CHARGING STATION LIABILITY COVERAGES – OREGONOR
HO 24 43 10 00PERMITTED INCIDENTAL OCCUPANCIES – OTHER RESIDENCEAK, 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 91PERMITTED INCIDENTAL OCCUPANCIES – OTHER RESIDENCEVA
HO 24 64 12 94SNOWMOBILE – IOWAIA
HO 24 64 10 00OWNED SNOWMOBILEAK, 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 91SNOWMOBILEVA
HO 24 70 10 00ADDITIONAL RESIDENCE RENTED TO OTHERS 1,2,3 OR 4 FAMILIESAK, 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 91ADDITIONAL RESIDENCE RENTED TO OTHERS 1, 2, 3 OR 4 FAMILIESVA
HO 24 71 10 00BUSINESS PURSUITSAK, 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 91BUSINESS PURSUITSVA
HO 24 72 10 00INCIDENTAL FARMING PERSONAL LIABILITYAK, 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 91INCIDENTAL FARMING PERSONAL LIABILITYVA
HO 24 73 02 17FARMERS PERSONAL LIABILITYAK, 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 11FARMERS PERSONAL LIABILITYHI, MT
HO 24 73 10 00FARMERS PERSONAL LIABILITYPR
HO 24 73 04 91FARMERS PERSONAL LIABILITYVA
HO 24 74 04 91THREE OR FOUR FAMILY DWELLING PREMISES LIABILITY – FORM HO 00 04VA
HO 24 75 10 00WATERCRAFTAK, 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 91WATERCRAFTVA
HO 24 77 05 11CANINE LIABILITY EXCLUSION ENDORSEMENTAK, 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 11PERSONAL INJURY COVERAGEAL, 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 00PERSONAL INJURYAK, 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 02PERSONAL INJURYPR
HO 24 82 04 91PERSONAL INJURYVA
HO 24 90 08 01WORKERS COMPENSATION RESIDENCE EMPLOYEES – CALIFORNIACA
HO 24 96 10 00EXCLUSION OF FARM EMPLOYEES ILLEGALLY EMPLOYEDAL, 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 91EXCLUSION OF FARM EMPLOYEES ILLEGALLY EMPLOYEDVA
HO 34 02 02 17AIRCRAFT LIABILITY DEFINITION REVISED TO REMOVE EXCEPTION FOR MODEL OR HOBBY AIRCRAFTAK, 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 17PERSONAL INJURY FOR AIRCRAFT LIABILITY EXCLUDEDAL, 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 11HOMEOWNERS POLICY DECLARATIONSAK, 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 11MOBILEHOME POLICY DECLARATIONSAK, 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 11CERTIFICATE OF HOMEOWNERS INSURANCE – TRUSTSAK, 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 11CANINE LIABILITY EXCLUSION ENDORSEMENT ACKNOWLEDGMENTAK, 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 15RESIDENCE PREMISES QUESTIONNAIREAK, 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 11LIMITED HOME DAY CARE COVERAGE ADVISORY NOTICE TO POLICYHOLDERSAK, 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 11RATING INFORMATION FOR PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY NOTICEAL, 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 11ADVISORY 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 11ADVISORY 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 11ADVISORY 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 11ADVISORY 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 11ADVISORY 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 11ADVISORY 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 11ADVISORY 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 15ADVISORY 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 15ADVISORY NOTICE TO POLICYHOLDERS REGARDING HOME-SHARING SERVICESAK, 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 17ADVISORY 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 17LIMITED LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACING ADVISORY NOTICE TO POLICYHOLDERSAK, 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 17COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL ENDORSEMENT ADVISORY NOTICE TO POLICYHOLDERSAK, 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 17ROOF SURFACING COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL ENDORSEMENT ADVISORY NOTICE TO POLICYHOLDERSAK, 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 11YOUR HOMEOWNERS 2 – BROAD FORM QUICK REFERENCEAK, 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 11YOUR HOMEOWNERS 3 – SPECIAL FORM QUICK REFERENCEAK, 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 11YOUR HOMEOWNERS 4 – CONTENTS BROAD FORM QUICK REFERENCEAK, 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 11YOUR HOMEOWNERS 5 – COMPREHENSIVE FORM QUICK REFERENCEAK, 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 11YOUR HOMEOWNERS 6 – UNIT-OWNERS FORM QUICK REFERENCEAK, 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 11YOUR HOMEOWNERS 8 – MODIFIED COVERAGE FORM QUICK REFERENCEAK, 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
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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.

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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

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APN Network

Brad Hays
APN Executive Director

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.”

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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