What it does
Changes the perils insured against for the unit owner's personal property to direct physical loss unless excluded.
Who needs it
Condo and co-op unit owners who want broader contents coverage.
Quoting and selling notes
- Pair with HO 17 32 to also broaden Coverage A on the unit.
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.
