What it does
Provides open-perils coverage on Coverage C in the few states where this older endorsement number remains on file. Elsewhere ISO uses HO 05 24.
Who needs it
Insureds in the listed states whose carrier still files the 04 91 version.
Quoting and selling notes
- Outside AK, CA and WI, quote HO 05 24 or HO 00 05 instead.
- Confirm with the carrier which number it actually attaches; older policies renewed for many years can still carry the 04 91 form.
Editions and availability
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.
