| Additional Insured Non-resident |
- Extends coverage to other non-resident owners of the insured premises for property in which they have an interest.
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| Additional Insured-Premises Only |
- Extends liability coverage to the party named on the endorsement. This extends liability for only the premises named on the declarations page.
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| Additional Named Insured |
- Extends coverage to other resident owners of the insured premises. Both the TDP and one of the liability policies must be endorsed. Must have an insurable interest.
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| Additional Peril Endorsement |
- Adds limited water coverage along with additional perils to the policy. This endorsement offers limits of $5,000, $10,000, $25,000 and $50,000 for water coverage.
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| Amendatory Endorsement |
- Increase water damage coverage from $1,000 to $5,000, $10,000, $25,000 or $50,000.
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| Animal Liability Exclusion |
- Eliminates all liability arising out of the ownership, custody, control or possession of any animal either on or away from your premises. Exclusion must be added when breed is Akita, American Staffordshire Terrier, Chow, Doberman Pinscher, Pit Bull, Presa Canario, Rottweiler, wolf hybrid or any dog that is a mix that includes one or more of the breeds listed above. If unusual or exotic or had previous bite or attack history, underwriting approval is required.
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| Contract of Sale |
- Adds the buyer of a property under land contract as an additional interest to the policy.
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| Exclusion of Cosmetic Damage to Roof Caused by Hail |
- Mandatory form when the home has a Hail Resistant Roof. Damage that alters only the physical appearance of the roof covering is excluded.
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| Exclusion of Residential Community Property |
- he Residential Community Property Clause contained in the policy is excluded if attached.
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| Fair Rental Value |
- Coverage is provided for perils for which premium is shown on the endorsement for the fair rental value of the part of the dwelling rented to others when a dwelling is made wholly or partially untenantable due to a loss caused by these perils. Payout is 1/12 of amount purchased per month.
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| Loss Assessment Property Coverage |
- Provides coverage for any loss assessment, except earthquake, charged against the members of an association of property owners, provided the loss was caused by an insured peril under the policy.
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| Loss Payable Clause |
- Adds a Loss Payee for Personal Property.
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| Loss Settlement Amendatory Endorsement (Replacement Cost – Coverage A with 15 year roof limit) |
- If attached modifies the loss settlement provision of the policy to provide Replacement Cost coverage on Coverage A. To qualify the dwelling must be in above average condition and have a minimum value of $100,000. It must be insured to 100% of Replacement Cost and the Market Value must be at least 50% of Replacement Cost. Does not include roof covering if the insured cannot validate the roof covering is less than 15 years old.
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| Miscellaneous Property Schedule |
- Provides coverage for incidental buildings or structures used in connection with the dwelling.
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| Other Structures Not Covered |
- Allows for the exclusion of specific structures on the premises for property coverages.
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| Personal Insurance Coverage Policy |
- Adds Comprehensive Personal Liability coverage to the policy if attached.
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| Premises Liability Policy – Landlord |
- Provides premises liability and medical payment coverage for the owner of a one to four-family rented dwelling. Landlord personal injury is included and provides coverage if a claim is made or a suit brought for damages by the tenant or resident of the insured dwelling because of an offense named in the endorsement.
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| Residence Glass Coverage |
- Covers up to $100 per window pane. No deductible applies.
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| Trampoline Liability Exclusion |
- Eliminates all liability arising out of use of a trampoline on the insured premises.
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| Unrelated Named Insured |
- Adds the person named in the endorsement as a named insured while that person is a full- time resident.
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| Vacancy Clause |
- Provides coverage for the perils indicated on the endorsement for vacancy period.
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| Windstorm, Hurricane & Hail Exclusion |
- Excludes windstorm, hurricane and hail coverage that may be provided by the policy.
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