What it does
Gives personal property HO 5-style coverage without changing the base form. Special limits, excluded property and the policy exclusions continue to apply.
Who needs it
Insureds who want broader contents coverage while keeping an HO 3, HO 4 or HO 6 base.
Quoting and selling notes
- Compare the premium with switching to HO 00 05 (owners) or HO 00 14 (renters, 2022 program).
- For condo unit owners the Coverage C version in the 2022 program is HO 17 31.
Editions and availability
Editions in use and where they apply: 03 22 (38 jurisdictions); 05 11 (7 jurisdictions: AL, CA, CT, GA, HI, LA, VI); 10 00 (1 jurisdiction: PR).
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.
