Personal Residential Intensive…Or There’s No Place Like Home!

HO-91/200/2011/2022
Homeowners product for 1-4 family home

Important eligibility issues and differences

Definitions are important…and can change
-Residence premises
-Insured
-Insured location
-Motor vehicles vs. “motor vehicles”

Important property coverages and endorsements

Liability coverages and exclusions causing problems

Policy for the unit owner
-Who insures what and how
-Important condo endorsements no policy should be written without

Dwelling Fire
-Variations from the HO product
-Similarities to HO product
-Issues to be aware of