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 HO 0004 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 two 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 HO 0004 No Form
Additional Insured – Described Location Provides Coverages A, B, L and M for a person that has an insurable interest in the property but is not an insured. IA, MN, SD, WI All Forms Except Form HO 0004 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 HO 0004 HO 6072
Loss Payee Covers the insurable interest of a loss payee for a scheduled item. IA, MN, SD, WI All Forms HO CW 0022
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 Form HO 0003 WN HO 91
WN HO 90
Collapse Coverage Endorsement (New Dwellings Under Construction) 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		 Form HO 0003 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 Except HO 0004 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 $2,500 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 Form HO 0003 HO 3571
Computers Computer Coverage Computer coverage for computer hardware & 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 All forms except HO 0005 (included in HO 0005) WN HO 74
Coverage A
Additional Insurance		 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. Available limits are:
  • 125%
  • 150%
 IA, MN, SD, WI All H0 0003 and H0 0005 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. This Guaranteed limit is only available on Select Home+ and Signature Home+. IA, MN Select Home+ and Signature Home+ HO 1636
SD, WI HO 4843
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 Form H0 0003 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 Form H0 0003 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 Form H0 0003 WN HO 113
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 Form H0 0003 HO 4856
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 Notification Costs) and Third Party Claims. IA & WI All Forms HOMU 0004
Cyber Protection Insurance $10,000 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 All Forms HOMU 0003
Cyber Protection Insurance $10,000 aggregate limit for First Party loss (Data Recovery and System Restoration, Cyber Crime, Cyber Extortion, Cyber Bullying, Breach Notification Costs) and Third Party Claims. SD All Forms HO SD 0008
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 Forms HOMU 0002
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 All Forms HOMU 0001
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. SD All Forms HOMU 0008
Earthquake Earthquake Coverage Covers direct physical loss caused by earthquake - 2% deductible IA, MN, SD, WI All Forms HO 2754
Earthquake Loss Assessment Coverage for earthquake related loss as a result of assessments by a homeowner association; $50,000 maximum ($5,000 increments); 5% deductible applies. IA, MN, SD, WI All Forms HO MU 0042
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 HO CW 0029
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 Coverage Coverage for loss as a result of assessments by homeowner association. IA, MN, SD, WI All Forms HO CW 0041
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 Forms HO 0003, HO 0005, and HO 0006 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 HO 0004 and HO 0006 HO CW 0040
Exclusion - Related Private Structure Exclude coverage for a related private structure(s) under Coverage B – Related Private Structures and Liability Coverages for bodily injury and property damage arising out of the structure(s) described in the endorsement’s schedule. IA, MN, SD, WI All Forms Except Form HO 0004 and HO 0006 HO CW 0030
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 HO 0004 HO 3540
Related Private Structures - 1 or 2 Family Liability Provides liability coverage for a rented single/two family related private structure at the described location. IA, MN, SD, WI All Forms Except Form HO 0004 HO 3540
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 HO 0004 HO 6218
Personal Injury Personal Injury Provides coverage for personal injury for which the policyholder is liable. IA, MN All Forms HO 1677
SD, WI 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
Personal Property Coverage fo Designated 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 All Forms Except HO 0005 HO 4855
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. SD, WI All Forms Except HO 0005 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 All Forms Except HO 0003 HO 4941
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 HO 0004 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 HO CW 0033
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 All Forms Except HO 0004 & HO 0006 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 Form HO 0005 HO 2736
Refrigerated Foods Incidental Property Coverages – Higher Limits for Refrigerated Property 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. WI All Forms Except Form HO 0004 CW HO 0010
Roof Surfacing Amendment – Actual Cash Value Terms For Windstorm Or Hail Loss Scheduled Structures Allows for scheduling of structures to which actual cash value roof surfacing loss settlement terms will apply. IA, MN, SD, WI All Forms Except Form HO 0004 & HO 0006 CW 0037
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 Except Form HO 0004 & HO 0006 HO CW 0044
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 & $40,000. Matching coverage is not available if the policy includes the following endorsements for Coverage A, B, or other structures: Modified Replacement Cost, Functional Replacement Cost or has wood roofing material. Roof age must be less than 20 years old. IA, MN, SD, WI All Forms Except Form HO 0004 & HO 0006 WN HO 111
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. Applies to primary homes 50 years or newer. Homes older than 50 years will have $2,500 of coverage. IA, MN, SD, WI All Forms Except HO 0004 & HO 0006 HO CW 0055
Siding Exterior 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 & $40,000. Matching coverage is not available if the policy includes the following endorsements for Coverage A, B, or other structures: Modified Replacement Cost, Functional Replacement Cost or has wood roofing material. Roof age must be less than 20 years old. IA, MN, SD, WI All Forms Except HO 0004 & HO 0006 WN HO 111
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 All Form HO 0004 HO 2530
Trampoline Exclusion Trampoline - Exclusion Underwriters may choose to issue an exclusion for the homeowner’s trampoline. IA, MN, SD, WI All Forms HO CW 0031
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: available in all states up to $100,000. IA, MN, SD, WI All Forms WN HO 33