What it does
The dwelling forms let a tenant use up to 10% of Coverage C for improvements, alterations and additions made at the tenant's expense; this endorsement increases that amount.
Who needs it
Tenants insured on a dwelling policy who have made improvements.
Quoting and selling notes
- Most tenants are better served by HO 00 04.
Editions and availability
Current edition 12 02, replacing 07 88. Carriers adopt ISO editions state by state, so the edition on a given policy can lag the newest one.
Program notes
Dwelling policies are written for the property owner, not the occupant, and are the usual vehicle for landlords of one- to four-family dwellings. Because the forms carry no liability coverage, review every dwelling file together with DL 24 01 (or the homeowners or commercial policy that provides premises liability), and with any personal umbrella the client carries.
