What it does
Covers direct physical loss from mechanical breakdown of covered home equipment, which the homeowners forms otherwise exclude, up to the endorsement limit.
Who needs it
Homeowners with significant HVAC, solar, generator or appliance values.
Quoting and selling notes
- Home-office equipment used primarily for business may be excluded.
Editions and availability
Editions in use and where they apply: 03 22 (41 jurisdictions); 01 14 (8 jurisdictions: AL, CA, CT, GA, HI, LA, TX, VI).
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.
