What it does
Provides a more generous "residence premises" definition than HO 06 48.
Who needs it
Insureds whose occupancy pattern (for example, seasonal residence) does not fit the narrower definition.
Quoting and selling notes
- Compare with HO 06 48 when underwriting secondary or seasonal homes.
Editions and availability
Editions in use and where they apply: 03 22 (39 jurisdictions); 10 15 (9 jurisdictions: AL, CT, FL, GA, HI, LA, TX, VI, WA).
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.
