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Covers risks like rental property, older homes, hunting cabins
Broad Form: Owner Occupant
HO2
Liaiblity, medical and uninsured motorists
Personal Auto/Casualty coverages
Temporary water from a natural source, covers 2 or more acres that are usually dry.
Flood Defined
...taking of property from inside the premises
Burglary, visible evidence of forced entry or exit.
Debris removal, property removed, reasonable repairs, or renters improvements
Other Coverages
HO4
Tenants or renters
Collision and Other Than Collision (OTC/Comprehensive)
Personal Auto: Property coverages
NFIP?
National Flood Insurance Program
...is the unlawful taking of property from another
Robbery, violence of threat
All basic other coverages, add trees shrubs brush, collapse, glass, ordinance or law, and removal
DP2 and DP3
Ho6
...means bodily harm, sickness, or disease, including resulting death.
Bodily Injury
Accounts/Bills/Deeds, Lawns / Trees / Shrubs, new construction
Flood exclusions
signing the name of another person or organization with the INTENT to deceive
Forgery
Earthquake, Flood, War, Nuclear, Government Seizure are considered?
HO3
Has no liability insurance at the time of the accident
Uninsured motorists, also lower than state requirements, hit & run drivers.
26 Feet or more in length?
Y A C H T
The person who has care or custody of property inside the premises?
Custodian
Loss settlement, deductible, pair or set, loss payment are considered?
Loss Valuations
HO 8 / HO 5
Modified Form or Comprehensive Form
Motorcycles, scooters, golf cares, and motor homes??
Miscellaneous type vehicles
Requires primary underlying policies to be in force?
Umbrella, excess coverage, pays over and above base policy limits if they cover... loss
Occurs at any time, discovered during the policy, or within 60 days of expiration?
Discovery Form, Loss sustained most occur during the policy period and be discovered during the policy period