What it does
Provides liability for the described non-owner-occupied dwelling (premises liability) rather than full personal liability for the insured's activities.
Who needs it
Investors and landlords who own rental dwellings but live elsewhere (their personal liability is on their own homeowners policy).
Quoting and selling notes
- Pair with the landlord's homeowners policy and umbrella; confirm the umbrella schedules the rental premises.
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.
