What it does
Provides theft coverage for personal property on a narrower basis than DP 04 72 (Broad Theft Coverage), as set out in the endorsement.
Who needs it
Landlords who keep appliances or furnishings in a rented dwelling.
Quoting and selling notes
- Tenants' property is not covered; tenants need their own HO 4.
Editions and availability
Current edition 07 14, replacing 12 02, 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.
