Optional Coverage Endorsements

Subject Endorsement Name Description or Use States Program Available Endorsement Number
Additional Interest Additional Insured – Landlord Provides coverage for a landlord for liability arising out of an insured tenant’s occupancy. IA, MN, SD, WI Form 4 HO 6016
Other Residents of Your Household Extends the definition of insured to a person who resides with the insured. IA, MN, SD, WI All Forms HO 6033
Tenants, Other Residents of Your Household – Additional Named Insured Up to four individual tenants may be insured under one policy, provided that each individual is named as an insured on the declarations. Charges will apply for each additional individual. IA, MN, SD, WI Form 4 No Form
Additional Insured – Described Location Provides Coverage A and B for a person that has an insurable interest in the property but is not an insured. IA, MN, SD, WI All Forms Except Form 4 HO 6041
Additional Insured – Coverages A, B, C, L, and M Covers the insurable interest of a trust; Coverages A, B, C, L and M apply. IA, MN, SD, WI All Forms Except Form 4 HO 6072
Loss Payee Covers the insurable interest of a loss payee for a scheduled item. IA, MN, SD, WI All Forms WN HO 11
Animals - Dogs Exclusion-Injury or Damage Arising Out of an Animal Underwriters may choose to issue an exclusion for the homeowner’s animal. IA, MN, SD, WI All Forms WN HO 100
Assisted Living Coverage for Resident of Assisted Living Facility Coverage for $10,000 personal property, $6,000 (maximum $500 per month) additional living costs, and $100,000 personal liability for a person related to the policyholder and resides in an assisted living facility. IA, MN, SD, WI All Forms HO 6235
Buildings Under Construction Residence Under Construction – Theft Covers theft of building materials and supplies during construction until residence is completed and occupied or until 12 months from inception date of policy, whichever comes first. Maximum limit $100,000. IA, MN, SD, WI Standard Forms 1, 2,
and 3		 WN HO 91
WN HO 90
Collapse Coverage Endorsement (New Dwellings Under Construction) Covers loss caused by collapse to a dwelling under construction - Maximum limit $10,000. IA, MN, SD, WI Standard Forms 1, 2,
and 3		 WN HO 92
WN HO 04
Business Office, Professional, Private School, or Studio Occupancy – Liability Coverage for liability arising out of an incidental office, professional, private school, or studio on premises. IA, MN, SD, WI All Forms HO 3542
Office, Professional, Private School, or Studio Occupancy – Property Coverage for a related private structure on premises with an office, professional, private school, or studio occupancy. IA, MN, SD, WI All Forms HO 3542
Higher Limits on Personal Property Used for Business Purposes Increases the special limit that applies to business personal property; an additional $7,500 available at the described location and $1,500 away. IA, MN, SD, WI All Forms HO 3565
Business Activities Provides coverage for liability arising out of a business not owned by the policyholder; available for clerical, sales, or teachers. IA, MN, SD, WI All Forms HO 3571
Child Care Supplemental Income – Child Care Provides coverage for actual loss of earnings for time spent caring for an eligible child in the event of illness, accident, or injury; limited to $60 per day / $300 per year. IA, MN, SD, WI All Forms WN HO 39
Computers Computer Coverage Computer coverage for computer hardware and software option not permitted on a policy that included an endorsement providing special coverage for Coverage C Deductibles; Laptop - $100, Home data processing equipment - $50. IA, MN, SD, WI Standard Forms 1, 2, 3, 4, & 6 Preferred Forms 3 WN HO 74
Coverage A Expanded Replacement Cost Specified Additional Amount of Insurance – Coverage A An additional amount of insurance can be provided for the residence when the loss exceeds the coverage A limit:
  • Standard – 125% available
  • Preferred 3 & 5 – 150% included
 IA, MN, SD, WI Standard Forms 1, 2,
and 3		 HO 4844
Additional Limits Coverage A, B, C, and D An additional amount of insurance can be provided for the residence when the loss exceeds the coverage A limit:
  • Preferred 3 – “Guaranteed – no limit” available
  • Preferred 5 – “Guaranteed –no limit” included
 WI Preferred Forms 3 & 5 HO 1636
Coverage A Functional Replacement Cost Functional Replacement Cost Loss Settlement Terms Changes loss settlement provisions to allow for the repair or replacement of a building with commonly used and less costly construction materials and methods that are functionally equivalent to obsolete, antique, or custom construction materials and methods used in the original construction of the building; Coverage A must be at 100% of its functional replacement cost. IA, MN, SD, WI Standard Forms 1, 2,
and 3		 HO 4857
Functional Replacement Cost with Additional Amount of Insurance-Coverage A 10% additional amount of insurance coverage can be added when the loss to residence exceeds Coverage A limit. Coverage A must be at 100% of the residence’s functional replacement cost. IA, MN, SD, WI Standard Forms 1, 2,
and 3		 WN HO 108
Functional Replacement Cost with Additional Amount of Insurance-Coverage A 25% additional amount of insurance coverage can be added when the loss to residence exceeds Coverage A limit. Coverage A must be at 100% of the residence’s functional replacement cost. IA, MN, SD, WI Standard Forms 1, 2,
and 3		 WN HO 113 10 20
Coverage A Modified Replacement Cost Modified Replacement Cost Terms Coverage for partial losses can be provided on a replacement cost basis when Coverage A is less than 80% of its replacement value; the Coverage A limit as a percent of replacement value must be established at the time this coverage is added. IA, MN, SD, WI Standard Forms 1, 2,
and 3		 HO 4856
Coverage A
Unit Owners		 Unit-Owners Coverage A Special Coverage Changes Coverage A from named peril to all risk of direct physical loss, with certain exceptions. IA, MN, SD, WI Standard and Preferred Form 6 HO 7032
Credit Card, Electronic Fund Transfer Card, Forgery, and Counterfeit Money Incidental Property Coverages – Higher Limits for Credit Card, Electronic Fund Transfer Card, Forgery, and Counterfeit Money Increases limits as selected: Forms 3, 4, 6 limits $1,000, $3,500, $6,000, $8,500; Form 5 limits $2,500 and $5,000; No deductible applies. IA, MN, SD, WI All Forms HO 2530
Cyber Liability Cyber Protection Insurance $10,000 aggregate limit for First Party loss (Data Recovery and System Restoration, Cyber Crime, Cyber Extortion, Cyber Bullying, Breach IA & WI Costs) and Third Party Claims. IA & WI All Forms HOMU 00040421
Cyber Protection Insurance $10,000 aggregate limit for First Party loss (Data Recovery and System Restoration, Cyber Crime, Cyber Extortion, Cyber Bullying, Breach IA & WI Costs) and Third Party Claims. MN & SD All Forms HOMU 00040421
Cyber Protection Insurance $25,000 aggregate limit for First Party loss (Data Recovery and System Restoration, Cyber Crime, Cyber Extortion, Cyber Bullying, Breach Notification Costs) and Third Party Claims. IA & WI All Forms HOMU 00020421
Cyber Protection Insurance $25,000 aggregate limit for First Party loss (Data Recovery and System Restoration, Cyber Crime, Cyber Extortion, Cyber Bullying, Breach Notification Costs) and Third Party Claims. MN & SD All Forms HOMU 00010421
Earthquake Earthquake Coverage Covers direct physical loss caused by earthquake - 2% deductible. IA, MN, SD, WI All Forms HO 2754
Employees Domestic Employee If more than two employees, this optional coverage endorsement provides liability for injury of employees not required to have Workers’ Compensation coverage; policy includes coverage for two employees. IA, MN, SD, WI All Forms No form outlined in policy form
Equipment Breakdown Equipment Breakdown Endorsement Provides coverage for breakdown of appliances and other equipment at the insured dwelling; limit is $50,000 per occurrence and a $500 deductible applies. IA, MN, SD, WI All Forms WN HO 62
Farming Incidental Farming – Garden Plots Provides liability arising out of a policyholder’s incidental farming activities on or away from premises; incidental farm includes farming of garden plots only. IA, MN, SD, WI All Forms HO 7540
Fire Department Service Charge Incidental Property Coverages – Higher Limits for Fire Department Service Charge Increases the limit that applies to fire department service charges; No deductible applies. IA, MN, SD, WI All Forms HO 2530
Golf Carts Scheduled Motorized Golf Cart Coverage Provides all risks of direct physical loss coverage, with certain exceptions; collision coverage is included; $500 deductible applies. IA, MN, SD, WI All Forms HO 3831
Golf Cart Liability Coverage Covers liability for owned golf carts used for other than golfing. IA, MN, SD, WI All Forms HO 3832
Jewelry Blanket Jewelry Coverage Provides coverage against all risk of direct physical loss with certain exceptions for unspecified jewelry; no deductible applies; available limits include $5,000, $7,500, and $10,000 subject to a per item limit of $2,500. IA, MN, SD, WI All Forms WN HO 84
Schedule Personal Property- Agreed Value Provide agreed value loss settlement terms for scheduled jewelry items. IA, MN, SD, WI All Forms WN HO 94
Identity Theft Identity Fraud Expense Provides coverage for expenses incurred as the result of identity fraud; the $10,000 included limit can be increased to a maximum of $50,000. IA, MN, SD, WI All Forms (Primary Policies Only) HO 2786
Loss Assessment Loss Assessment Coveragee Coverage for loss as a result of assessments by a homeowner association that are other than assessments for association property deductibles; $100,000 maximum ($5,000 increments); No deductible applies. IA, MN, SD, WI All Forms HO 2550
Association Deductible - Increased Limits Provides increased limits for assessment of an association property deductible; $100,000 maximum ($5,000 increments); No deductible applies. IA, MN, SD, WI All Forms HO 2530
Association Deductible Coverage – Additional Locations Provides increased limits for assessment of an association property deductible at another location; $100,000 maximum ($5,000 increments); No deductible applies. IA, MN, SD, WI All Forms HO 6220
Earthquake Loss Assessment Coverage for earthquake-related loss as a result of assessments by a homeowner association that are other than assessments for an earthquake deductible; $50,000 maximum ($5,000 increments); 5% deductible applies. IA, MN, SD, WI All Forms HO 2753
Association Deductible Coverage – Earthquake Provides coverage for assessment of an association earthquake deductible due to an earthquake loss; $50,000 maximum ($5,000 increments); 2% deductible applies. IA, MN, SD, WI All Forms HO 2701
Motorized Vehicles Incidental Coverage For Motorized Vehicles – Low Power Vehicles Covers liability arising out of the off-premises use of certain motorized vehicles that are low-speed and battery-powered. IA, MN, SD, WI All Forms (Primary Policies Only) WN HO 103
Ordinance or Law Increased Cost – Ordinance or Law – Increased Limit 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:
  • 10% Included
  • 25% Maximum on Forms 3 and 5
  • 50% Maximum on Form 6
 IA, MN, SD, WI All Forms Except Form 4 HO 2557
Other Structures Actual Cash Value-Related Private Structures Applies Actual Cash Value settlement for specific description of structure described. IA, MN, SD, WI All Forms Except Form 4 and 6 WN HO 104
Related Private Structures – Described Location Increases the limit provided for related private structures at the described location. IA, MN, SD, WI Standard Forms 1, 2,
and 3

Preferred Forms 3 and 5		 HO 3048
Related Private Structures Rented Provides property coverage for a related private structure at the described location that is rented. IA, MN, SD, WI All Forms Except Form 4 HO 3540
Related Private Structures - 1 Fam Liability Provides liability coverage for a rented single family related private structure at the described location. IA, MN, SD, WI All Forms Except Form 4 HO 3540
Related Private Structures - 2 Family Liability Provides liability coverage for a rented two family related private structure at the described location. IA, MN, SD, WI All Forms Except Form 4 HO 3540
Related Private Structures – Away From The Described Location Extends the Coverage B limit to private structures owned by the policyholder that are away from the described location
actual cash value applies.		 IA, MN, SD, WI Standard Forms 1, 2,
and 3

Preferred Forms 3 and 5		 HO 6217
Scheduled Related Private Structures – Away From The Described Location Provides property coverage for a specific private structure located away from the described location
Actual cash value applies.		 IA, MN, SD, WI All Forms Except Form 4 HO 6218
Personal Injury Personal Injury Provides coverage for personal injury for which the policyholder is liable. IA, MN, SD, WI All Standard Forms HO 1677
HO 4001
Personal Property Coverage for Non-Resident Relative Provides personal property and liability coverage for a named non-resident relative related to insured by blood, marriage, or adoption. IA, MN, SD, WI All Forms WN HO 107
Coverage for Non-Resident Relative Provides personal property coverage for specified person named related to insured by blood, marriage, or adoption. IA, MN, SD, WI All Forms WN HO 106
Replacement Cost Loss Settlement Terms – Personal Property Converts loss settlement terms for personal property and various miscellaneous items from actual cash value to replacement cost. IA, MN, SD, WI All Standard Forms HO 4855
HO 1646
Special Personal Property Coverage Modifies coverage for personal property from named peril to all risk of direct physical loss with certain exceptions. IA, MN, SD, WI Standard Form 3 and Preferred Form 3 HO 4941
Unit Owners Special Personal Property Coverage Modifies coverage for personal property in a condo from named peril to all risk of direct physical loss with certain exceptions. IA, MN, SD, WI Standard Form 6 HO 7029
Coverage C – Personal Property – Special Form Modifies coverage for personal property and tenant’s improvements from named peril to all risk of direct physical loss with certain exceptions. IA, MN, SD, WI Form 4 HO 2730
Scheduled Personal Property Coverage Modifies coverage for scheduled personal property from named peril to all risk of direct physical loss with certain exceptions. IA, MN, SD, WI All Forms WN HO 69
Coverage C – Higher Limits On Certain Property Increases special limits under Coverage C for electronics, guns, jewelry, furs, money, securities, silverware, valuable papers, etc. IA, MN, SD, WI All Forms HO 2565
Property in Rental Units – Increased Limit Increases the policy limit for coverage of property in a rental unit. IA, MN, SD, WI Standard Forms 1, 2,
and 3

Preferred Forms 3 and 5		 HO 2581
Extended Theft Coverage – Described Location Occasionally Rented To Others Modifies the exclusion of theft for all personal property from the rented part of the premises to exclude certain kinds of property (money, securities, jewelry, etc.). IA, MN, SD, WI All Forms Except Preferred Form 5 HO 2736
Refrigerated Foods Incidental Property Coverages – Higher Limits for Refrigerated Foods Increases the limits that apply to coverage for refrigerated foods ($500 increments); No deductible applies. IA, MN, SD, WI All Forms HO 2530
Rented Residence Additional Residence Rented To Others – Liability Coverage Only Provides coverage for liability arising out of a rented one or two family dwelling owned by the policyholder. IA, MN, SD, WI All Forms HO 6270
Roof Roof Surfacing Amendment – Actual Cash Value Terms for Windstorm or Hail Loss Converts the loss settlement terms from replacement cost to actual cash value for loss caused by windstorm or hail. MN, WI All Forms Except Form 4 HO 4835
Roof Surfacing Amendment – Actual Cash Value Terms for Windstorm or Hail Loss Scheduled Allows for scheduling of structures to which actual cash value roof surfacing loss settlement terms will apply. MN, WI All Forms Except Form 4 WN HO 54
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 Standard Forms 1, 2,
and 3

Preferred Forms 3 and 5		 WN HO 72
Matching of Undamaged Siding or Roofing Coverage Allows coverage for undamaged roof surfacing or siding for residence or related private structure to be replaced when similar siding or roof surfacing is no longer available to repair / replace the damaged portion. Available limits: 10,000, 20,000, 30,000, and 40,000. Matching coverage is not available if the policy includes the following endorsements for Coverage A, B, or other structures: Actual Cash Value, Modified Replacement Cost, Functional Replacement Cost, or has wood roofing material. IA, MN, SD, WI Standard Forms 1, 2,
and 3

Preferred Forms 3 and 5		 WN HO 111 09 20
Secondary or Seasonal Liability Additional Residence Premises Occupied by Insured Extends liability coverage from the primary residence to a seasonal or secondary residence owned by the insured. IA, MN, SD, WI All Forms Coverage outlined in policy forms
Service Line Underground Service Line Coverage $10,000 of coverage provided for exterior underground piping or wiring that provides communication, compressed air, drainage, electrical power, heating, waste disposal, or water services to the dwelling. IA, MN, SD, WI Preferred From 3 & 5 WN HO 93
Siding Exterior Allows coverage for undamaged roof surfacing or siding for residence or related private structure to be replaced when similar siding or roof surfacing is no longer available to repair / replace the damaged portion. Available limits: 10,000, 20,000, 30,000 & 40,000. Matching coverage is not available if the policy includes the following endorsements for Coverage A, B, or other structures: Actual Cash Value, Modified Replacement Cost, Functional Replacement Cost or has wood roofing material, matching of Undamaged Siding or Roofing Coverage $10,000 of coverage provided for exterior underground piping or wiring that provides communication, compressed air, drainage, electrical power, heating, waste disposal or water services to the dwelling. IA, MN, SD, WI Standard Forms 1,2,3 Preferred Forms 3 & 5 WN HO 111 09 20
Snowmobile Snowmobile – Liability Coverage Only Covers liability for off-premises use of an owned snowmobile. IA, MN, SD, WI All Forms HO 3864
Scheduled Snowmobile Coverage Provides all risks of direct physical loss coverage, with certain exceptions, on an actual cash value basis for scheduled snowmobiles. IA, MN, SD, WI All Forms WN HO 19
Tenant’s Improvements Incidental Property Coverages – Higher Limits for Tenant’s Improvements Increases limits that apply to building improvements made by the insured’s tenant; available in $1,000 increments; No deductible applies. IA, MN, SD, WI Form 4 HO 2530
Water Back-Up / Sump Discharge Water Back-Up and Sump Discharge or Overflow Coverage Coverage for damage due to water back-up and sump pump failure: $5,000 included in MN, SD, and WI; no coverage included in IA; coverage increase available in all states up to $100,000. IA, MN, SD, WI All Forms WN HO 33
Waterbed Waterbed Liability Covers the policyholder’s liability for property damage arising out of the ownership or use of a waterbed on premises. IA, MN, SD, WI Form 4 HO 4009
Accidental Discharge or Overflow Coverage – Liquid-Filled Furniture Provides coverage for damage to property resulting from the accidental discharge or overflow of liquids from liquid-filled furniture. IA, MN, SD, WI All Forms except Preferred Form 5 HO 2721
Watercraft Watercraft Provides coverage for liability arising out of the operation of watercraft; WI only: liability coverage for watercraft equipped with Outboard motors is included without addition of this optional coverage endorsement. IA, MN, SD, WI All Forms HO 3801
Boat Owner’s Coverage Provides Actual Cash Value coverage for boats, motors, trailers, and equipment. IA, MN, SD, WI All Forms WN HO 16

Protective Devices

A premium credit can be given for the installation of approved and properly maintained alarm and / or monitoring systems, which include:

  • Central Station Burglary and / or Fire Alarms -5%
  • Fire Alarm with phone alert -3%
  • Local Alarms, including burglary and / or fire -2%
  • Automatic Water Shut-Off System – 8%
  • Temperature Monitoring System (seasonal dwellings only) – 5%
  • Water Monitoring System (seasonal dwellings only) -5%