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HOMEOWNERS

To be used as a Supplement to the Florida General Lines Manual

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813 514 6982

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HOMEOWNERSDollar for dollar , coverage for coverage one of

the BEST buys on the insurance market today is Homeowners Coverage! Homeowners is a package policy consisting of both protection from Property loss and from Liability claims arising from residences and personal activities.

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HOMEOWNERS Homeowners program is designed for

Personal; Nonbusiness risk

Eligibility Owner-occupants of 1-4 family dwellings; Renters who maintain residential occupancy in any

type of building; Condominium unit owners and cooperative

apartment occupants.

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HOMEOWNERSWith the exception of the “Renters Policy”

and the owner of a condo renting to another, the Homeowner policies are for “natural” persons who own AND occupy the dwelling. Note we said “natural” persons, we EXCLUDE corporations, partnerships, estates or trusts.

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HOMEOWNERSIncluded are InsurEDs are those who occupy a residence and

is a purchaser by “Contract”, “Contract for Deed” or “Land Sales Agreement”. And those who have a a life estate arrangement

InsurEDs under the policy include the person named, residing spouse, residing relatives of either, and any person under age 21 in the care of any such person.

Under Section II Liability the definition is yet expanded to include, any person who is legally liable for animals or watercraft owned by an insured is afforded coverage (unless such custody is without the owner's permission).

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HOMEOWNERS – Types The six different Homeowners forms: HO-2 Broad Form HO-3 - Special Form HO-4 - Contents Broad Form (Apartment

Dwellers Coverage) HO-5 - Comprehensive Form HO-6 - Unit-Owners Form (Condominium or

Cooperative Apartment Coverage) HO-8 - Modified Coverage Form

© American Marketing Management and Motivations Services, Inc

HOMEOWNERS – Types The six different Homeowners forms: HO-2 Broad Form – Not commonly used HO-3 - Special Form HO-4 - Contents Broad Form (Apartment

Dwellers Coverage) HO-5 - Comprehensive Form HO-6 - Unit-Owners Form (Condominium or

Cooperative Apartment Coverage) HO-8 - Modified Coverage Form

© American Marketing Management and Motivations Services, Inc

HOMEOWNERS – Types The six different Homeowners forms: HO-2 Broad Form – Not commonly used HO-3 - Special Form HO-4 - Contents Broad Form (Apartment

Dwellers Coverage) HO-5 - Comprehensive Form HO-6 - Unit-Owners Form (Condominium or

Cooperative Apartment Coverage) HO-8 - Modified Coverage Form

© American Marketing Management and Motivations Services, Inc

HOMEOWNERS – Types Designed for owner-occupants of one to four-family

dwellings HO-2 Broad Form HO-3 - Special Form – Most common HO-5 - Comprehensive Form HO-8 - Modified Coverage Form

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END Demo Homeowners

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