X

Thank you for sharing!

Your article was successfully shared with the contacts you provided.

ISO is updating the Homeowners Policy Program and Mobilehomeowners Supplement with a proposed effective date of March 2022. The HO 00 03 Homeowners 3 – Special Form is commonly used for insuring personal dwellings and property. While broader coverage can be found under the HO 00 05 Comprehensive form, and more limited coverage can be found under the HO 00 08 Modified form, the HO 00 03 provides coverage that fits most homeowners. We will walk through the form and highlight any changes that have been made from the 2011 edition. While much is the same, there are updates to terms, coverages and special limits. These changes will be in bold text. As the policy itself is 28 pages long, we will break this discussion into sections as follows:

Agreement and Definitions Section

This premium content is locked for
FC&S Expert Coverage Interpretation subscribers.

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis

Already have an account?
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected].

FC&S Editors

 

Get Answers Directly From the FC&S Experts

Submit your coverage interpretation question to the editors of FC&S for quick and reliable information.

Question of the Week

Insurance Coverage Q&A: When a Kayak Falls, Which Coverage Applies? ›

When personal property damages an auto, which policy applies?

Question of the Week Archive ›

Copyright © 2022 ALM Global, LLC. All Rights Reserved.