If someone sustains a serious injury on your property, he or she could conceivable sustain hundreds of thousands of dollars in damages. The coverage is similar to HO-1 but limits reimbursement to market value rather than replacement cost. To keep premiums affordable, only the coverage required by most people is included in the standard homeowners insurance policy. Since HO-2 protections are optional, adding or removing them from your coverage will change your premium. You should carefully read the endorsements page on both new policies and renewals. The HO in HO Forms stands for homeowners and each describes specific protections for your home. It also helps pay: Speak up Take time to go over the details of your policy with your agent. These policy forms insure your home and belongings against at least 11 named perils. The more perils your policy covers, the more you will pay for the policy. Get to know these endorsements, they … Popularly referred to as condominium insurance it provides similar protections to the homeowners insurance forms HO-2 or HO-3. Home Insurance: The five homeowners package forms offered to owners of single family owner occupied homes are HO1, HO-2, HO-3, HO-3 with HO-15 and HO-8. An endorsement is a change added to an insurance policy which modifies the original terms. 4 Homeowners Insurance Homeowners basics Homeowners insurance protects you from the unexpected burden of paying to rebuild your home should disaster strike. Forms & Documents. The Vermont Mutual Homeowners Broadening Endorsements bring together a host of supplementary coverages that add up to greater personalized protection and savings for the policyholder when compared to purchasing separately. 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, 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, 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, TRANSITION ENDORSEMENT FOR HO 00 03, HOMEOWNERS 3 – SPECIAL FORM, TRANSITION ENDORSEMENT FOR HO 00 04, HOMEOWNERS 4 – CONTENTS BROAD FORM, TRANSITION ENDORSEMENT FOR HO 00 05, HOMEOWNERS 5 – COMPREHENSIVE FORM, TRANSITION ENDORSEMENT FOR HO 00 06, HOMEOWNERS 6 – UNIT-OWNERS FORM, TRANSITION ENDORSEMENT FOR HO 00 08, HOMEOWNERS 8 – MODIFIED COVERAGE FORM, 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, 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, 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, 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, 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, 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, SECTION II – LIMITED COVERAGE FOR YEAR 2000 COMPUTER-RELATED AND OTHER ELECTRONIC PROBLEMS, 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, 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, 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, LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH ALL FORMS EXCEPT HO 00 03 AND HO 00 05, LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORMS HO 00 03 AND HO 00 05, 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, 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, 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, LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE – FOR USE WITH FORM HO 00 03, 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, 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, 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, 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, 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, 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, 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, OTHER STRUCTURES ON THE RESIDENCE PREMISES – INCREASED LIMITS, BUILDING ADDITIONS AND ALTERATIONS – OTHER RESIDENCE, INCREASED AMOUNT OF INSURANCE FOR PERSONAL PROPERTY AT OTHER RESIDENCES, PERSONAL PROPERTY AT OTHER RESIDENCES – INCREASED LIMIT, INCREASED LIMIT ON PERSONAL PROPERTY IN OTHER RESIDENCES, BUILDING ADDITIONS AND ALTERATIONS – INCREASED LIMIT, BUILDING ADDITIONS AND ALTERATIONS INCREASED LIMIT – FORM HO 00 04, 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, CREDIT CARD, ELECTRONIC FUND TRANSFER CARD OR ACCESS DEVICE, FORGERY AND COUNTERFEIT MONEY COVERAGE – INCREASED LIMIT, CREDIT CARD, FUND TRANSFER CARD, FORGERY AND COUNTERFEIT MONEY COVERAGE – INCREASED LIMIT, 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, 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, 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, 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, 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, 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, UT, VI, VT, WI, WV, WY, 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, SCHEDULED PERSONAL PROPERTY ENDORSEMENT (COPY OF PAGE 1 OF HO 04 61), SCHEDULED PERSONAL PROPERTY ENDORSEMENT – COPY OF PAGE 1 OF HO 04 61, COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY, 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, ORDINANCE OR LAW INCREASED AMOUNT OF COVERAGE, 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, 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, FIRE DEPARTMENT CLAUSE (SUBSCRIPTION CONTRACT SERVICES), 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, 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, COVERAGE B – OFF PREMISES FORMS HO 00 01, HO 00 02 AND HO 00 03, SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISES, 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, ACTUAL CASH VALUE LOSS SETTLEMENT WINDSTORM OR HAIL LOSSES TO ROOF SURFACING, 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, LIMITED WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGE, WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW, NO SECTION II – LIABILITY COVERAGES FOR HOME DAY CARE BUSINESS LIMITED SECTION I – PROPERTY COVERAGES FOR HOME DAY CARE BUSINESS, 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, 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, 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, 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, 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, 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, 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, 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, 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, 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, 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, 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, SPECIAL PERSONAL PROPERTY COVERAGE – FORM HO 00 04 ONLY, ADDITIONAL INSURED – STUDENT LIVING AWAY FROM THE RESIDENCE PREMISES, OWNED MOTORIZED GOLF CART PHYSICAL LOSS COVERAGE, 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, MODIFIED FUNCTIONAL REPLACEMENT COST LOSS SETTLEMENT, AZ, CT, HI, IA, ID, MN, MO, MS, NY, OK, OR, PA, RI, SC, EXTENDED THEFT COVERAGE FOR RESIDENCE PREMISES OCCASIONALLY RENTED TO OTHERS, 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, 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, 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, AL, CT, LA, MA, MN, MO, ND, NE, NY, OH, TX, VT, INCREASED AMOUNT OF INSURANCE FOR PERSONAL PROPERTY LOCATED IN A SELF-STORAGE FACILITY, 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, 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, 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, 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, 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, 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, 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, BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENT, DAMAGE TO PROPERTY OF OTHERS – INCREASED LIMITS, 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, 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, BROADENED HOME-SHARING HOST ACTIVITIES COVERAGE ENDORSEMENT, 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, 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, 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, EXCLUSION – PERSONAL AND ADVERTISING INJURY, 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, 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, VALUABLE PAPERS AND RECORDS COVERAGE INCREASED LIMITS, 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, 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, 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, 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, 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, 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, UNIT-OWNERS MODIFIED OTHER INSURANCE AND SERVICE AGREEMENT CONDITION, BROADENED RESIDENCE PREMISES DEFINITION ENDORSEMENT – UNIT-OWNERS, RESIDENCE PREMISES DEFINITION ENDORSEMENT – UNIT-OWNERS, 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, 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, INCIDENTAL LOW POWER RECREATIONAL MOTOR VEHICLE, PERMITTED INCIDENTAL OCCUPANCIES – OTHER RESIDENCE, 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, ADDITIONAL RESIDENCE RENTED TO OTHERS 1,2,3 OR 4 FAMILIES, 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, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY, 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, THREE OR FOUR FAMILY DWELLING PREMISES LIABILITY – FORM HO 00 04, 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, 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, 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, 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, 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, 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, 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, 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, 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, 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, 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, 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, ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 2 – BROAD FORM), ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 3 – SPECIAL FORM), ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 4 – TENANTS FORM), ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 5 – COMPREHENSIVE FORM), ADVISORY NOTICE TO POLICYHOLDERS (HOMEOWNERS 6 – UNIT-OWNERS FORM), 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, 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, ADVISORY NOTICE TO POLICYHOLDERS REGARDING HOME-SHARING SERVICES, 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, LIMITED LOSS SETTLEMENT FOR WINDSTORM OR HAIL LOSSES TO ROOF SURFACING ADVISORY NOTICE TO POLICYHOLDERS, COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL ENDORSEMENT ADVISORY NOTICE TO POLICYHOLDERS, ROOF SURFACING COSMETIC DAMAGE EXCLUSION – WINDSTORM OR HAIL ENDORSEMENT ADVISORY NOTICE TO POLICYHOLDERS, YOUR HOMEOWNERS 2 – BROAD FORM QUICK REFERENCE, YOUR HOMEOWNERS 3 – SPECIAL FORM QUICK REFERENCE, YOUR HOMEOWNERS 4 – CONTENTS BROAD FORM QUICK REFERENCE, YOUR HOMEOWNERS 5 – COMPREHENSIVE FORM QUICK REFERENCE, YOUR HOMEOWNERS 6 – UNIT-OWNERS FORM QUICK REFERENCE, 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, Trusted, quality content from industry experts with over 60 years insurance experience, combined, Customizable alerts of changes in relevant policies and trends, Search and navigate Q&As to find answers to your specific questions, Filter by article, discussion, analysis and more to find the exact information you’re looking for, Continually updated to bring you the latest reports, trending topics, and coverage analysis. 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