What it does
Pays scheduled categories of expenses resulting from identity fraud discovered during the policy period. (The prior site entry assigned this title to HO 06 48; ISO's identity fraud endorsement is HO 04 55.)
Who needs it
Any homeowner; often sold as a low-cost add-on.
Key provisions and limits
- Carrier descriptions note discovery-based coverage with a modest limit and deductible.
Quoting and selling notes
- Does not cover the business's own data breach; refer business owners to cyber coverage.
Editions and availability
Editions in use and where they apply: 03 22 (40 jurisdictions); 05 11 (8 jurisdictions: AL, FL, GA, HI, LA, OR, VI, WA); 03 03 (1 jurisdiction: PR).
Homeowners endorsements are built for a specific program edition. When a carrier moves a state from the 2011 (05 11) program to the 2022 (03 22) program, the endorsement editions move with it, so match the endorsement edition to the policy form edition shown on the declarations.
