What it does
FL 04 06 includes the residences in its schedule (with number of families) in the meaning of "insured location" for Coverage H and Coverage J, and removes the rental-of-premises exclusion as it applies to those residences.
Who needs it
Farm owners who rent houses on or off the farm to tenants or farmhands' families.
Quoting and selling notes
List every rented dwelling and the number of families. Property coverage for rented dwellings is a separate decision on the farm property side. Wording reviewed: 01 98 edition.
How it fits the farm liability policy
A farm liability endorsement changes only the coverages it names (Coverage H bodily injury and property damage, Coverage I personal and advertising injury, Coverage J medical payments, or a coverage it adds). The rest of FL 00 20, including the definitions of "farming", "custom farming" and "insured location", continues to apply. When presenting a quote, list each farm liability endorsement and its schedule entries so the insured sees how the base form was broadened or narrowed.
