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Homeowners Coverage

Homeowners Coverage forms available through OFP are HO 00 08, HO 00 02, HO 00 03, HO 00 06, and HO 00 04. Coverage under the HO 00 02 and the HO 00 03 forms may be written with the HO 04 56 (Special Loss Settlement) endorsement to provide compliance with coinsurance/insurance to value limitations of the coverage forms.

Homeowners 8 Coverage

Coverage provided: HO 00 08 coverage form

Insurance for the perils of:

Fire

Lightning

Windstorm

Hail

Explosion

Riot or Civil Commotion
Aircraft Damage

Vehicle Damage

Smoke Damage

Vandalism

Malicious Mischief
Theft
($1,000 maximum)

Volcanic Eruption

Personal Liability
($100,000 or $300,000)

Medical Payments to Others
($1,000 maximum)

Underwriting Criteria

  1. Property must be free from any loss-producing hazards and/or deficiencies
  2. Property must be a one or two family dwelling structure (not mobile, manufactured, or trailer home)
  3. Property must be an owner-occupied dwelling (not seasonal, farm, commercial, or under construction)
  4. Property may not be in foreclosure, litigation, or receivership
  5. Property may not have unrepaired damage or unsettled losses from any perils which would be insurable under the HO 00 08 coverage form
  6. Dwelling structure must have coverage equal to or greater than $15,000
  7. Property must be free of specific characteristics of ownership, condition, occupancy and maintenance that violate law or public policy and/or may result in increased exposure to loss
  8. Property may not be owned by any individual(s) who has been convicted of arson or who has misrepresented the property by false information on the application(s)
  9. Property may not have sustained loss which was caused by the gross negligence or carelessness of the insured/applicant
  10. Property must have been denied the coverage sought by at least two insurance companies
  11. Property may not have delinquent taxes, assessments, penalties or other such charges due
  12. Property may not be in violation of any building, housing, air pollution, sanitation, health, fire or safety code, ordinance or rule
  13. Applications submitted for coverage must be fully and correctly completed
  14. Property must be free from the presence of any aggressive or vicious animal(s) including but not limited to pit bulls and pit bull mixes
  15. Property must have handrails installed on all stairs (greater than 3 steps) and porches
  16. If the property has a swimming pool, it must be completely fenced
  17. If the property has a hot tub and/or trampoline, then a fence/protective barrier is required
  18. Property must be the owner's primary residence

 

Homeowners 2 Coverage

Coverage provided: HO 00 02 coverage form

Insurance for the perils of:

Fire

Lightning

Windstorm

Hail

Explosion

Riot or Civil Commotion

Aircraft

Vehicles
Smoke

Vandalism

Malicious Mischief

Theft

Falling Objects

Weight of Ice, Snow or Sleet

Accidental Discharge or
Overflow of Water or Steam
Sudden and Accidental Tearing
Apart, Cracking, Burning, or
Bulging

Freezing

Sudden and Accidental Damage
from Artificially Generated
Electrical Current

Volcanic Eruption

Personal Liability
($100,000 or $300,000)

Medical Payments to Others
($1,000 maximum)

Underwriting Criteria

  1. Property must be free from any loss-producing hazards and/or deficiencies
  2. Property must be a one or two family dwelling structure (not mobile, manufactured, or trailer home)
  3. Property must be an owner-occupied dwelling (not seasonal, farm, commercial, or under construction)
  4. Property may not be in foreclosure, litigation, or receivership
  5. Property may not have unrepaired damage or unsettled losses from any perils which would be insurable under the HO 00 02 coverage form
  6. Dwelling structure must have coverage equal to or greater than $25,000
  7. Dwelling structure coverage carried must be at least 50% of the replacement cost
  8. Property must be free of specific characteristics of ownership, condition, occupancy and maintenance that violate law or public policy and/or may result in increased exposure to loss
  9. Property may not be owned by any individual(s) who has been convicted of arson or who has misrepresented the property by false information on the application(s)
  10. Property may not have sustained loss which was caused by the gross negligence or carelessness of the insured/applicant
  11. Property must have been denied the coverage sought by at least two insurance companies
  12. Property may not have delinquent taxes, assessments, penalties or other such charges due
  13. Property may not be in violation of any building, housing, air pollution, sanitation, health, fire or safety code, ordinance or rule
  14. Applications submitted for coverage must be fully and correctly completed
  15. Property must be free from the presence of any aggressive or vicious animal(s) including but not limited to pit bulls and pit bull mixes
  16. Property must have handrails installed on all stairs (greater than 3 steps) and porches
  17. If the property has a swimming pool, it must be completely fenced
  18. If the property has a hot tub and/or trampoline, then a fence/protective barrier is required
  19. Property must be the owner's primary residence

 

Homeowners 3 Coverage

Coverage provided: HO 00 03 coverage form

The HO 00 03 provides coverage for all perils which are not excluded under the coverage form

Underwriting Criteria

  1. Dwelling structure must have coverage equal to or greater than $25,000
  2. Dwelling structure coverage carried must be at least 50% of the replacement cost
  3. Property must be free from any loss-producing hazards and/or deficiencies
  4. Property must be a one or two family dwelling structure (not mobile, manufactured, or trailer home)
  5. Property must be an owner-occupied dwelling (not seasonal, farm, commercial, or under construction)
  6. Property may not be in foreclosure, litigation, or receivership
  7. Property may not have unrepaired damage or unsettled losses from any perils which would be insurable under the HO 00 03 coverage form
  8. Property must be free of specific characteristics of ownership, condition, occupancy and maintenance that violate law or public policy and/or may result in increased exposure to loss
  9. Property may not be owned by any individual(s) who has been convicted of arson or who has misrepresented the property by false information on the application(s)
  10. Property may not have sustained loss which was caused by the gross negligence or carelessness of the insured/applicant
  11. Property must have been denied the coverage sought by at least two insurance companies
  12. Property may not have delinquent taxes, assessments, penalties or other such charges due
  13. Property may not be in violation of any building, housing, air pollutin, sanitation, health, fire or safety code, ordinance or rule.
  14. Applications submitted for coverage must be fully and correctly completed
  15. Property must be free from the presence of any aggressive or vicious animal(s) including pit bulls and pit bull mixes
  16. Property must have handrails installed on all stairs (greater than 3 steps) and porches
  17. If the property has a swimming pool, it must be completely fenced
  18. If the property has a hot tub and/or trampoline, then a fence/protective barrier is required
  19. Property must be the owner's primary residence

 

Homeowners 6 Coverage

Coverage provided: HO 00 06 coverage form

Insurance for the perils of:

Fire

Lightning

Windstorm

Hail

Explosion

Riot or Civil Commotion

Aircraft

Vehicles

Smoke
Vandalism

Malicious Mischief

Theft

Falling Objects

Weight of Ice, Snow or Sleet

Accidental Discharge or
Overflow of Water or Steam

Sudden And Accidental Tearing
Apart, Cracking, Burning Or
Bulging
Freezing

Sudden And Accidental Damage
From Artificially Generated
Electrical Current

Volcanic Eruption

Personal Liability

($100,000 or $300,000)

Medical Payments to Others
($1,000 maximum)

Underwriting Criteria

  1. Property must be the owner's primary residence
  2. Property must be a condominium
  3. Property must be an owner-occupied dwelling (not seasonal or under construction)
  4. The condominium unit may not be occupied by more than one additional family or two boarders or roomers
  5. Dwelling coverage must be equal to or greater than $5,000 and Personal Property coverage must be equal to or greater than $10,000
  6. Property may not be insured for more than the replacement cost of the insured's ownership in the condominium unit
  7. Property must be free from any loss-producing hazards and/or deficiencies
  8. Property may not have unrepaired damage or unsettled losses from any perils which would be insurable under the HO 00 06 coverage form
  9. Property must be free of specific characteristics of ownership, condition, occupancy and maintenance that violate law or public policy and/or may result in increased exposure to loss
  10. Property may not be owned by any individual(s) who has been convicted of arson or who has misrepresented the property by false information on the application(s)
  11. Property may not have sustained loss which was caused by the gross negligence or carelessness of the insured/applicant
  12. The condominium unit may not have delinquent taxes, assessments, penalties or other such charges due
  13. Property may not be in violation of any building, housing, air pollution, sanitation, health, fire or safety code, ordinance or rule
  14. Property may not be in foreclosure, litigation, or receivership
  15. Property must have been denied the coverage sought by at least two insurance companies
  16. Applications submitted for coverage must be fully and correctly completed
  17. Property must be free from the presence of any aggressive or vicious animal(s) including but not limited to pit bulls and pit bull mixes
  18. Property must have handrails installed on all stairs (greater than 3 steps) and porches
  19. If the property has a swimming pool, it must be completely fenced
  20. If the property has a hot tub and/or trampoline, then a fence/protective barrier is required

 

Homeowners 4 Coverage

Coverage provided: HO 00 04 coverage form

Insurance for the perils of:

Fire

Lightning

Windstorm

Hail

Explosion

Riot or Civil Commotion

Aircraft

Vehicles

Smoke
Vandalism

Malicious Mischief

Theft

Falling Objects

Weight of Ice, Snow Or Sleet

Accidental Discharge Or
Overflow Of Water Or Steam

Sudden And Accidental Tearing
Apart, Cracking, Burning Or
Bulging
Freezing

Sudden And Accidental Damage
From Artificially Generated
Electrical Current

Volcanic Eruption

Personal Liability

($100,000)

Medical Payments to Others
($1,000 maximum)

Underwriting Criteria

  1. Property must be the applicant's primary residence
  2. The dwelling or apartment unit may not be occupied by more than one additional family or two boarders or roomers
  3. Personal Property coverage must be equal to or greater than $6,000
  4. The dwelling or apartment unit must be free from any loss-producing hazards and/or deficiencies
  5. The dwelling or apartment unit may not have unrepaired damage or unsettled losses from any perils which would be insurable under the HO 00 04 coverage form
  6. The dwelling or apartment unit must be free of specific characteristics of ownership, condition, occupancy and maintenance that violate law or public policy and/or may result in increased exposure to loss
  7. The dwelling or apartment unit may not be occupied by any individual(s) who has been convicted of arson or who has misrepresented the property by false information on the application(s)
  8. The dwelling or apartment unit may not have sustained loss which was caused by the gross negligence or carelessness of the insured/applicant
  9. The dwelling or apartment unit may not be in violation of any building, housing, air pollution, sanitation, health, fire or safety code, ordinance or rule
  10. The dwelling or apartment unit must have been denied the coverage sought by at least two insurance companies
  11. Applications submitted for coverage must be fully and correctly completed
  12. The dwelling or apartment unit must be free from the presence of any aggressive or vicious animal(s) including but not limited to pit bulls and pit bull mixes
  13. The dwelling or apartment unit must have handrails installed on all stairs (greater than 3 steps) and porches
  14. If the property has a swimming pool, it must be completely fenced
  15. If the property has a hot tub and/or trampoline, then a fence/protective barrier is required
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