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Other Residential Insurance and Dwelling PoliciesDwelling Policies

Mobile home CoverageFlood Insurance

Insurance for typical Property Loss Exposures

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Why Other Insurance Policies when there are HO Series?

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Need for Other Insurance Policies

Unoccupied Owners For those who lives in Mobile Homes or Manufactured homesThose who live on Farms, Ranches Flood Cause of Loss Residential properties that doesn’t meet underwriting Guidelines for standard

Coverage Unavailability and unaffordability of Insurance Value of the dwelling is far below the Minimum Limit available with Homeowner Policies

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Dwelling Policies

Covers 1-4 Family dwellings whether owner occupied or rentedDwelling in the course of constructionMobile homes at a permanent location House Boats in some states Certain Incidental business Occupancies, if they are operated by the owner

occupied or by a tenant Dwelling policies are based on the ‘Dwelling forms ( DP-x series) developed by ISO and AAIS

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ISO Dwelling Policies

DP-1 Basic form DP-2 Broad Form DP-3 Special formAll Dwelling policy forms don’t provide theft coverageLimits are not automatically included Coverage A - Dwelling Coverage B - Other Structures Coverage C - Personal Property Coverage D - Fair Rental Value Coverage E - Additional Living Expenses

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ISO Dwelling Policies

Coverage A- Dwellingo Covers Dwelling on described location shown in declarationso It must be principally used for dwelling purposeso Building Equipment and Outdoor equipment, if not covered under Coverage C, then they

are automatically covered under Coverage A Coverage B- Other Structures

o It is same as like your HO-3 Policy.o Gravemarkers and Mausoleums are excluded. In HO-3 they are covered for $5000

Coverage C – Personal Propertyo Coverage applies when the property is on described location o No Special Limits to jewellery, furs, firearms etco Money exclusion for Coverageo Exclude boats other than rowboats and Canoeso Theft is excluded except by burglarso If Insured is a land lord then he can purchase Coverage A and B and he need not choose

coverage C. In HO-3 you don’t have such option.

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ISO Dwelling Policies

Coverages D and E combined together can resemble Coverage D – Loss of Use in HO-3

Coverage D- Fair Rental ValueCoverage E- Additional Living Expenses

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ISO Dwelling Policies

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ISO Dwelling Policies

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ISO Dwelling Policies

Dwelling Policies General Exclusionso Ordinance or Law except as provided in the other coverages sectiono Earthquakeo Water Damage such as Floods and backup of sewers and drainso Power failures that occur off the described locationo Neglect on the part of the insuredo Waro Nuclear Hazardo Intentional Losso Weather conditions that contribute to any of the preceding excluded causes of losso Acts or decisions of other persons, groups, organizations, or governmental bodieso Faulty construction, planning, materials or maintenance

Dwelling Policies conditions are same as HO-3 except Section II

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ISO Dwelling Policy

Coverage for liability and theft endorsementsPersonal Liability Supplement – Coverage for Liability – Coverage L and M which

are same a E and F in HO-3Residential Theft Coverage - Theft

Broad Theft Coverage Limited Theft Coverage

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ISO Mobile Home

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ISO Mobile Homes

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ISO Mobile Home Other Endorsements

ACVTransportation/Permission to move Mobile home lien holder's single Interest Property removed Increased Limit Ordinance or Law Coverage

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Flood Insurance

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Flood Insurance

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Policies for Hard-to-Insure Loss Exposures

FAIR Plans Beachfront and Windstorm Plans

Both are Assigned Risk Plans

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FAIR Plans

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Beachfront and Windstorm Plans

Coverage to Risk of heavy windstorm losses Hurricanes and other Storms High Tides and Coastal Erosion Losses from tidal waters are excluded ( and covered in Flood) The maximum limits and deductibles vary by state