What it does
FP 04 80 changes the theft provisions of the causes of loss form that apply to Coverage C so that theft from the part of the principal residence regularly rented to someone who is not a roomer, boarder or insured is addressed, and adds theft coverage while the residence is rented.
Who needs it
Farm owners renting part of the farmhouse to others.
Quoting and selling notes
Ask whether any part of the residence is rented, and confirm the liability side covers the rental. Wording reviewed: 09 03 edition.
How it fits the farm policy
A farm program endorsement changes only the coverage forms named in its "this endorsement modifies" list. Everything else in the Farm Coverage Part keeps working as written: the FP 00 90 additional coverages, conditions and definitions, the causes of loss selected from FP 10 60, and the farm liability forms. When presenting a quote, list each farm endorsement with its schedule entries (insured location, building or item, limit, deductible) so the insured can see exactly where the base coverage was broadened or narrowed.
