Summary: The coverages of the standard homeowners forms (Forms HO 00 02, 03, 04, 05, 06, 08, and 14) are designed to provide the kinds of insurance protection that most homeowners will need. However the needs of individual insureds can diverge, so endorsements are used to tailor coverage to meet these needs. Additionally, insurers may use endorsements to limit coverage, like when the windstorm or hail exclusion endorsement is attached to coastal homeowners policies.

The endorsements discussed here are those under the jurisdiction of Insurance Services Office (ISO). They do not constitute the extent of tailoring possible with respect to homeowners forms. The introduction in the ISO homeowners manual to the program's general rules state that "in all cases not specifically provided for in this manual," the rules, rates, forms, and endorsements of individual insurers govern each coverage. This makes it possible for insurers to develop special endorsements as the need arises, assuming, of course, that the proposed risk is considered insurable and that an appropriate premium can be obtained.

The homeowners program was revised in 2022, with previous versions of 2011 and 2000. Comments relating to individual endorsements below are based on form designations and language of the 2022 ISO homeowners program unless otherwise indicated. The edition date of the 2022 endorsements are generally 03 22;  the 2011 endorsements are generally 05 11. Differences from the 2011 program in language or coverage provisions are noted. This discussion is on multistate forms; endorsements limited to one or two states have not been included.

The endorsements are discussed in numerical order. Because there are so many endorsements, we have split the discussion into multiple sections:

Part 6 HO 05 24 to HO 05 86

Part 7 HO 06 01 to HO 06 49

Part 8 HO 06 51 to HO 06 95

Part 9 HO 07 01 to HO 07 59 Home Business Insurance Coverage

Part 10 HO 24 01 to HO 24 70

Part 11 HO 24 71 to HO 34 03

This endorsement provides coverage for a mobilehome and can only be attached to forms HO 00 02 and HO 00 03. A tenant (non-owner) of a mobilehome may use forms HO 00 04 or HO 00 14 for coverage.

"Residence premises" is amended to mean the mobilehome and other structures located on the land where the insured resides that are owned or leased by the insured. 

To be eligible, the mobilehome must have a width of at least 10 feet and an area of at least 400 square feet. A mobilehome structure is classed as a frame dwelling; other structures on the premises are classed according to the construction of the structure. 

The limits required under endorsement MH 04 01 are as follows: Coverage A must carry at least the lowest limit provided in the homeowners amount of insurance factor tables; Coverage B 10% of the Coverage A limit, or a minimum of at least $2,000; Coverage C 40% of the Coverage A limit; and Coverage D 20% of the Coverage A limit. The section II liability coverages are the same as the homeowners policy. 

There is an additional coverage that will pay for reasonable expenses, up to $500, to remove and return the mobilehome if it is endangered by a peril insured against and removal is necessary to avoid damage.

This endorsement can only be used with forms HO 00 02 and HO 00 03.

MH 04 01 pays loss settlement on a replacement cost basis if the Coverage A limit is insured to value of at least 80% of the replacement value. This endorsement can be used to change loss settlement to an actual cash value basis. 

The insurer may settle the loss by paying the cost to repair the damage; replacing the damaged property with similar property; or paying the amount in money. Their liability will not be greater than the lowest of: the difference between actual cash value of the property before and after the loss; the cost to repair the damage; or the cost to replace the damaged property with similar property.

This endorsement can be used with HO 00 02 and HO 00 03, and can only be used when MH 04 01 is attached to the policy. 

This endorsement can be used to provide coverage for a mobilehome while it is traveling for a period of 30 days while in the Continental United States and Canada. 

Transportation is added as a peril insured against, which covers direct physical loss caused by collision, upset of the mobilehome while it is in transit, and stranding or sinking while the mobilehome is being transported on a licensed ferry line. 

There is a deductible, which is included in the schedule, along with an effective date from which the 30 day period starts.

This endorsement can be used with HO 00 02 and HO 00 03, and can only be used when MH 04 01 is attached to the policy. 

This endorsement covers the lienholder or their assignee named in the Declarations under Coverage A against direct loss to the mobilehome while in transit caused by collision or upset of the mobilehome. It also covers loss from conversion, embezzlement, or secretion of the mobilehome by a retail purchaser or borrower. 

For the lienholder to recover, seven conditions must be met: there are no payments more than 30 days past due; the lienholder can't make any loss settlement without the insurer's written consent; the lienholder must use all reasonable means to save, preserve, and recover the mobilehome after a covered loss; the purchaser defaulted in payment; the lienholder repossessed the mobilehome; the purchaser abandoned the mobilehome after the covered loss; and the lienholder has made a reasonable effort to locate the purchaser to collect overdue payments or repossess the mobilehome. 

This endorsement can be used with HO 00 02 and HO 00 03, and can only be used when MH 04 01 is attached to the policy. 

MH 04 01 provides coverage of up to $500 for reasonable expenses to remove and return the mobilehome if it is endangered by a peril insured against and removal is necessary to avoid damage. This endorsement can be used to increase that limit in increments of $250, up to a maximum of $2,500. The limit can be scheduled in the endorsement.

This endorsement can be used with HO 00 02 and HO 00 03, and can only be used when MH 04 01 is attached to the policy. 

This endorsement can be used to provide ordinance or law coverage related to the mobilehome to cover increased costs to repair or replace damaged property and to demolish any undamaged portion of the damaged property and remove debris according to an ordinance or law. 

The coverage available is represented as a percentage of the Coverage A limit in the schedule of the endorsement, with options of 10%, 25%, 50%, 75%, 100%, and then increments of an additional 25%. A higher percentage would of course come with a higher premium.

This endorsement can be used with HO 00 02 and HO 00 03, and can only be used when MH 04 01 is attached to the policy. 

MH 04 01, since it is attached to either HO 00 02 or HO 00 03, pays loss settlement on a replacement cost basis if the Coverage A limit is insured to value of at least 80% of the replacement value. The HO 00 02 and HO 00 03 settle losses of certain property at actual cash value including personal property, awnings, outdoor antennas, and outdoor equipment, structures that are not buildings, and grave markers.

This endorsement adds to that list the roof surfacing of structures that are not buildings and roof surfacing to structures that are buildings, if the loss was caused by windstorm or hail. 

A definition of roof surfacing is provided, meaning the shingles, tiles, cladding, metal or synthetic sheeting covering the roof, and roof flashing. Included are all materials used in securing the roof surface and all materials applied to or under the roof surface for moisture protection.

This endorsement can be used with HO 00 02 and HO 00 03, and can only be used when MH 04 01 is attached to the policy. 

This endorsement changes the definition of residence premises to include "on the inception date of the policy period." This allows an insured to maintain coverage in the property if he is no longer living in the property sometime after the inception date. 

This endorsement can be used with HO 00 02 and HO 00 03, and can only be used when MH 04 01 is attached to the policy. 

This endorsement can be used when the insured resides somewhere other than the residence premises for a specified period of time during the policy period. The period of time must be listed in the schedule of the endorsement.

There is an additional premium charge determined by multiplying the base premium by a factor of 1.02 for the first 30 days and an additional factor of 0.02 for each additional 30-day period.

This endorsement can be used with HO 00 02 and HO 00 03, and can only be used when MH 04 01 is attached to the policy.