What it does
Covers liability from farming that is incidental to the residential use of the premises (for example, gardening for sale or a few animals), which the business exclusion would otherwise remove.
Who needs it
Homeowners with small-scale incidental farming that is not their occupation.
Quoting and selling notes
- If farming is the insured's occupation or the premises is a farm, use a farm program; for land rented to a farmer see HO 24 73.
Editions and availability
Editions in use and where they apply: 03 22 (41 jurisdictions); 10 00 (12 jurisdictions: AL, CA, CT, FL, GA, HI, LA, NC, PR, TX, VI, WA).
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.
