What it does
Schedules an individual structure (detached garage, barn, pool house) with its own additional amount of insurance.
Who needs it
Owners whose outbuildings are worth more than the Coverage B allowance.
Quoting and selling notes
- Coverage B still excludes structures used for business or rented to others; those need HO 04 42 or HO 04 40.
Editions and availability
Editions in use and where they apply: 03 22 (42 jurisdictions); 10 00 (12 jurisdictions: AL, CA, CT, FL, GA, HI, LA, NC, PR, TX, VI, WA).
Section II changes affect umbrella placement. The ISO personal umbrella (DL 98 01) needs its own excess endorsements for business pursuits, home business, home day care and home-sharing exposures, so confirm the umbrella responds before relying on a homeowners endorsement for a business-type exposure.
