What it does
Covers cannabis kept by the insured up to the endorsement's limit, where the forms otherwise exclude it.
Who needs it
Homeowners in legal-cannabis states.
Quoting and selling notes
- Not for commercial inventory.
- Pair with HO 24 01 when the carrier offers both.
- Ask whether the client grows plants at home; the endorsement limit may not reflect their value.
Editions and availability
Editions in use and where they apply: 03 22 (35 jurisdictions).
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.
