What it does
FL 04 07 modifies the Farm Liability Coverage Form and the Personal Liability endorsement. The person named in the schedule is an insured while a member of the named insured's household, and the address listed is included as an "insured location".
Who needs it
Farm families with a relative or other household member who is not otherwise an insured, or a second residence that should be covered.
Quoting and selling notes
Ask who lives in each farm residence. Residences rented to others use FL 04 06. Wording reviewed: 10 88 edition.
How it fits the farm liability policy
A farm liability endorsement changes only the coverages it names (Coverage H bodily injury and property damage, Coverage I personal and advertising injury, Coverage J medical payments, or a coverage it adds). The rest of FL 00 20, including the definitions of "farming", "custom farming" and "insured location", continues to apply. When presenting a quote, list each farm liability endorsement and its schedule entries so the insured sees how the base form was broadened or narrowed.
