What it does
Adds Section II coverage for described low-speed or low-power recreational vehicles that the motor vehicle liability exclusion otherwise limits to the insured location.
Who needs it
Homeowners in golf communities or with small recreational vehicles.
Quoting and selling notes
- Higher-powered ATVs and UTVs need a separate recreational vehicle policy.
Editions and availability
Editions in use and where they apply: 03 22 (41 jurisdictions); 05 11 (9 jurisdictions: AL, CA, CT, FL, GA, LA, NC, TX, VI); 10 00 (1 jurisdiction: PR).
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.
