What it does
Raises the tenant's limit for improvements in the rented premises above the base percentage of Coverage C.
Who needs it
Renters (including business owners renting a home or apartment) who have installed improvements.
Quoting and selling notes
- For improvements at another residence rented to an insured use HO 04 49.
Editions and availability
Editions in use and where they apply: 03 22 (42 jurisdictions); 10 00 (11 jurisdictions: AL, CA, CT, FL, GA, HI, LA, NC, PR, TX, VI).
Section II changes affect umbrella placement. The ISO personal umbrella (DL 98 01) needs its own excess endorsements for business pursuits, home business, home day care and home-sharing exposures, so confirm the umbrella responds before relying on a homeowners endorsement for a business-type exposure.
