What it does
DL 24 01 provides personal liability and medical payments to others for the insured's premises and personal activities, the liability counterpart of homeowners Section II for people insured on the dwelling program. It is attached to a dwelling policy or issued with DL 24 03 (Personal Liability Schedule) and DL 24 02 (Personal Liability Additional Policy Conditions) as a separate policy.
Who needs it
Landlords of one- to four-family rental dwellings, owners of seasonal or vacant homes, and occupants insured on dwelling forms.
Key provisions and limits
- Rental dwellings other than the residence premises need DL 24 04 or DL 24 11 to be covered locations.
- Business and professional exposures are excluded unless an endorsement such as DL 24 05 or DL 24 09 is added.
Quoting and selling notes
- Make sure each rental property is either on the DL 24 01 schedule or on another liability policy; landlords frequently leave one off.
- Personal umbrella underwriters usually require the dwelling liability to be scheduled as underlying insurance.
How the personal liability supplement fits
The dwelling property forms (DP 00 01, DP 00 02, DP 00 03) carry no liability coverage. DL 24 01 supplies personal liability and medical payments to others, with DL 24 03 (schedule) and DL 24 02 (additional policy conditions) used when it is written on its own. The DL 24 xx endorsements then mirror the homeowners Section II options: additional rental residences (DL 24 04), business pursuits (DL 24 05), incidental occupancies (DL 24 09), additional insureds (DL 24 10), non-owner-occupied premises (DL 24 11) and home day care (DL 24 16 / DL 24 17).
Editions and availability
Current edition 07 14, replacing 12 02, 07 88. Carriers adopt ISO editions state by state, so an in-force policy may carry an older edition.
