What it does
The HO 14 is the contents-only counterpart of the HO 5: personal property (and the tenant's additions and alterations) is covered on an open-perils basis instead of the named perils in the HO 4. It appears on the ISO list only in the 03 22 edition, in the jurisdictions using the 2022 program.
Who needs it
Tenants, and owners of co-op units, who want broader-than-named-perils contents coverage.
Quoting and selling notes
- Where the 2022 program is not adopted, the comparable approach is HO 00 04 plus HO 05 24.
- A tenant's home business still needs HO 04 42, HO 07 01 or a commercial policy.
Editions and availability
Editions in use and where they apply: 03 22 (41 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.
