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March 12, 2018

 Trusts have long been an issue of consternation for underwriters and agents. Insureds put property into a trust for a variety of reasons, but it complicates insurance coverage. Underwriters are wary because a trust is an entity, and not a person, and the homeowners policies are designed for individual people who own property. The trust endorsement that attached to the homeowners policy Residence Held in Trust HO 05 43 10 00 has been withdrawn and replaced with the Trust Endorsement HO 06 15 02 17. The personal umbrella endorsement, Personal Umbrella Liability Policy Trust Endorsement DL 98 08 03 18 has been updated to match the underlying coverages.

Topics covered:

Trust Endorsement Schedule


Section II Exclusions

Sections I and II Conditions

Umbrella Liability Trust Endorsement Schedule

Umbrella Endorsement Definitions

Umbrella Endorsement Section II and III Coverages

Umbrella Endorsement Section VII General Provisions


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