Resident Relative and Separate Policies

May 3, 2016

The insureds are a mother and daughter who reside together. The mother has an HO-3 policy (HO 00 03 08 96, Homeowners 3 Special Form – Washington). The daughter has now purchased an HO-4 (HO 00 04 07 10, Homeowners 4 Contents Broad Form – Washington). As the daughter is an insured under her mother's HO-3 policy, what benefit will she and/or her mother get by the daughter purchasing her own HO-4 policy? Or is the HO-4 not necessary?

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