Optional Coverage Endorsements

Subject Endosrement Name Description or Use States Program Available Description or Use
Adittional Insured Additional Insured Described Location Provides Coverage A and B for a person or organization who has an insurable interest in the property IA, MN, SD, WI All Forms DP 04 41
Additional Insured - Builder Dwelling Under Construction A builder/contractor may be designated as an additional insured. IA, MN, SD, WI All Forms DP 11 43
Additional Insured - Student Additional Insured - Student Living Away From The Residence Premise Provides "insured" status to a currently enrolled student relative or person under 21 (in your care or care of a relative in the household) who previously was a resident of the household before moving out IA, MN, SD, WI All Forms DL 24 27
Additional Interest Additional Insured - Described Location Covers the insurable interest of a person under Coverage A and B IA, MN, SD, WI All Forms DP 04 41
Additional Living Expense Additional Living Expense Provides coverage for the increased living expense incurred to maintain normal standard of living as a result of a covered loss (included in DP2 and DP3) IA, MN, SD, WI All Forms DP 04 14
Alarm System Premise Alarm or Fire Protection System Provides credit for installation of an alarm system and/or automatic sprinkler system at the described location IA, MN, SD, WI All Forms DP 04 70
Assisted Living Assisted Living Care Coverage Provides personal liability coverage for a person related to the policyholder and resides in an assisted living facility IA, MN, SD, WI All Forms DL 24 67
Assisted Living Care Coverage Provides personal property coverages with special limits of liability categories. Provides additional living expense- maximum $500 per month. If no liability coverage on the policy, this coverage is available. IA, MN, SD, WI All Forms DP 04 59
Business Liability Business Pursuits Coverage for liability arising out of business activities for a business that the insured does not own, is not a partner in, and/or has no part in financial control IA, MN, SD, WI All Forms DL 24 05
Business Property Permitted Incidental Occupancies Provides coverage for an incidental office, professional, private school, or studio on premises IA, MN, SD, WI All Forms DP 04 20
Condo - Improvements, Alterations, and Additions Special Coverage Amends the policy from Named Perils coverage to Special coverage for Improvements, Alterations, and Additions or Unit-owners building items IA, MN, SD, WI DP2 DP 04 65
Improvements Alterations and Additions Provides coverage for improvements, alterations, and additions made or acquired at the policyholder’s expense IA, MN, SD, WI DP 1 and DP 2 DP 04 31
Unit-Owners Coverage Provides coverage for unitowners building items, including alterations, appliances, fixtures, and improvements; real property which pertains to the unit; and structures the policyholder solely owns on the premises other than the described location IA, MN, SD, WI All Forms DP 17 66
Coverage A Actual Cash Value Actual Cash Value Loss Settlement Covered property losses shall be settled at actual cash value at the time of loss but shall not be settled at more than the amount required to repair or replace. IA, MN, SD, WI DP 2 and DP 3 DP 0476
Coverage A and B - Functional Replacement Cost Functional Replacement Cost Loss Settlement Functional replacement cost is the cost to repair or replace with commonly used and less costly materials. Coverage A must be at 80% of its functional replacement cost. SD, WI DP 2 and DP 3 DP 05 30
Coverage A and B- Functional Replacement Cost Modified Functional Replacement Cost Loss Settlement Functional replacement cost is the cost to repair or replace with commonly used and less costly materials. Coverage A must be at 80% of its functional replacement cost. IA, MN DP 2 and DP 3 DP 05 31
Coverage A, B and C- Modified Modified Loss Settlement Personal Property settled at ACV, Buildings under Cov A or Cov B settled at the lesser of the limit of liability or the necessary amount actually spend to repair or replace the loss but no more than the cost of using common materials IA, MN, SD, WI DP1 DP 00 08
Coverage C- Personal Property Replacement Cost Personal Property Replacement Cost Loss Settlement Expands loss settlement for personal property to a replacement cost basis IA, MN DP2 and DP3 WN DP 35
SD, WI WN DP 34
Deductibles Windstorm or Hail Percentage Deductible Provides for higher windstorm or hail percentage deductibles of 1%, 2%, 5%, 7.5%, or 10% IA, MN, SD, WI All Forms DP 03 12
Earthquake Earthquake Coverage Provides coverage against a loss resulting from the peril of earthquake. Deductible percentages available 5%, 10%, 15%, 20%, and 25%. IA, MN, SD, WI All Forms DP 04 69
Loss Assessment Coverage for Earthquake Coverage for loss assessments caused by earthquake, land shockwaves or tremors. Deductible percentages available 5%, 10%, 15%, 20%, and 25%. Maximum limit of $50,000. IA, MN, SD, WI All Forms DP 04 68
Exclusions Animal Liability Exclusion Underwriter may choose to issue exclusion for an animal owned by or in the care, custody or control of an insured IA, MN, SD, WI All Forms WN DL 06
Liability Exclusion - Other Structures Excludes personal liability and medical payments to others for bodily injury arising out of the structure described in the endorsement schedule IA, MN, SD, WI All Forms WN DL 04
Exclusion - Other Structure Excludes coverage to the structure described in the endorsement schedule IA, MN, SD, WI All Forms WN DP 33
Roof Exclusion Excludes coverage for the roof on the described structure until such time the roof has been replaced IA, MN, SD, WI All Forms DP CW 0013
Liability Exclusion - Trampoline Excludes personal liability and medical payments to others due to bodily injury or property damage arising out of the ownership, maintenance or use of a trampoline IA, MN, SD, WI All Forms WN DL 05
Inflation Guard Automatic Increase in Insurance Provides automatic increases in Coverage A and B limits of liability IA, MN, SD, WI All Forms DP 04 11
Golf Cart Owned Motorized Golf Cart Physical Loss Coverage Provides coverage against direct physical loss (collision coverage optional) with certain exceptions; $500 deductible applies IA, MN, SD, WI All Forms DP 05 28
Loss Assessment Loss Assessment Liability Coverage Provides liability coverage for your share of loss assessment charged against you by an association. IA, MN, SD, WI All Forms DL 24 14
Loss Assessment Coverage for Earthquake Coverage for loss assessments caused by earthquake, land shockwaves or tremors. Deductible percentages available 5%, 10%, 15%, 20%, and 25%. Maximum limit of $50,000. IA, MN, SD, WI All Forms DP 04 68
Motorized Vehicles Incidental Low Power Recreational Motor Vehicle Liability Coverage Covers liability arising out of the off-premises use of certain motorized vehicles that do not exceed a speed of 15 mph IA, MN, SD, WI All Forms DL 24 32
Ordinance or Law Ordinance or Law - Increased Amount of Coverage Increases the limit provided to cover additional costs incurred to repair or rebuild a dwelling as a result of an ordinance or law. Maximum increased limit is 50% IA, MN, SD, WI DP2 and DP3 DP 04 71
Ordinance or Law Provides coverage for the additional costs incurred to repair or rebuild a dwelling as a result of an ordinance or law. Maximum increased limit is 10%. IA, MN, SD, WI DP1 DP 04 74
Personal Injury Personal Injury Coverage Provides coverage for personal injury for which the policyholder is liable IA, MN, SD, WI All Forms DL 24 82
Personal Liability Personal Liability Provides coverage for bodily injury or property damage for which the policyholder is liable IA, MN, SD, WI All Forms DL 24 01
Personal Property Permitted Incidental Occupancies Coverage for personal property when the residence is not being used by the policyholder or other family members IA, MN, SD, WI All Forms DP 04 20
Premise Liability Premise Liability (Non-Owner Occupied Dwelling) Provides liability coverage to an insured non-owner occupied location IA, MN, SD, WI All Forms DL 24 11
Roof Roof Exclusion Underwriting may choose to add a roof exclusion if they agree to issue or renew a policy that has an old and/or deteriorated roof. IA, MN, SD, WI All Forms WN DP 27
Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing Allows for scheduling of structures to which actual cash value roof surfacing loss settlement terms will apply IA, MN, SD, WI
  • Use Form DP 00 08 for DP1
  • DP 2
  • DP3All Forms
 DP 04 75
Sinkhole Sinkhole Collapse Coverage for personal property when the residence is not being used by the policyholder or other family membersProvides sinkhole collapse coverage IA, MN, SD, WI All Forms DP 04 99
Special Coverage Improvements, Alterations, and Additions Amends the policy from Named Perils coverage to Special coverage for Improvements, Alterations, and Additions or Unit owners Coverage IA, MN, SD, WI DP 2 DP 04 31
Theft Coverage Broad Theft Coverage Provides theft, vandalism and malicious mischief coverage on and off premises for owner occupied dwellings. Off premises is only available when on premises is purchased. IA, MN, SD, WI All Forms DP 04 72
Limited Theft Coverage Provides theft, vandalism and malicious mischief coverage on Premises only for non-owner occupied dwellings IA, MN, SD, WI All Forms DP 04 73
New Dwellings Under Construction Extends coverage for theft to building materials, supplies, fixtures and equipment that is part of the insured’s dwelling for described location on the policy. Coverage is provided until the dwelling is completed or the expiration date of the policy, whichever occurs first. Maximum Limit $100,000; $10,000 increments IA, MN, SD, WI All Forms WN DP 04
Trees Windstorm or Hail Broad Form and Special Form Provides coverage for loss by windstorm or hail to trees, shrubs, and other plants. $500 per item maximum limit and not to exceed 5% of Coverage A IA, MN, SD, WI DP2 and DP3 DP 04 18
Trees, Shrubs and Other Plants Provides coverage for loss by specified selected peril only to trees, shrubs and other plants. No more than $500 will be available for any one tree, shrub or plant IA, MN, SD, WI DP1 DP 04 17
Water Back-Up Limited Water Back-Up Covers loss caused by water that backs up through sewers or drains, or overflows from a sump pump. Available limits are $5,000; $10,000; $15,000; $20,000; and $25,000. IA, MN, SD, WI All Forms WN DP 19