6.1 Types Of Policies & Coverage Copy

Types of Policies & Coverage

HO-A: This is the most basic form.

HO-B: This allows broader coverage.

HO-C: This form is all risk.

Owner Occupant

A Homeowners Policy with Forms HO-A, HO-B, or HO-C attached may be written only for the owner-occupant of a dwelling or townhouse unit used exclusively for private residential purposes and which contains not more than two families and with not more than two boarders or roomers per family.

Owner Occupancy applies to: Owner or his/her mother, father, son or daughter, grandparent or grandchild, or any combination thereof.

Tenant Occupant

A Homeowners Policy with Tenant Form B or C attached may be issued only to:

• The tenant (non-owner) of a dwelling or an apartment and or townhouse situated in any building; or
• The owner-occupant of a dwelling, or of a building containing an apartment and/or townhouse;
• The tenant (non-owner) of a dwelling located on a farm or ranch, providing the appropriate charge for liability is made; provided the residential premises, occupied by the insured, is used exclusively for residential purposes and is not occupied by more than one additional family or more than two boarders or

Incidental Occupancies

Incidental office, private school or studio occupancy is permitted when the rules of the Dwelling Manual permit such occupancy within a dwelling without an additional charge in the fire rate.