| Form Number
| Optional Coverage
|
| FMHO 753 |
Personal Property Replacement Cost Coverage - provides replacement cost coverage for a covered loss to your personal property without deduction for depreciation. |
| FMHO 3001 & FMHO 3002 |
Backup of Sewer and Sump Pump Overflow Coverage - provides coverage for loss caused by water that backs up through Sewers and drains that is not a result of your negligence. |
| HO 04 61 |
Scheduled Personal Property - provides additional coverage for your personal property indicated by an amount of insurance as scheduled. |
| FMHO 2382 |
Identity Fraud Expense Coverage - provides coverage for unlawful use of insured's identification. |
| HO 04 35 |
Loss Assessment - coverage is added to pay your share of any loss assessment charged against you by a corporation or association of property owners when the assessment is made as a result of loss to the property. |
| HO 04 36 |
Loss Assessment - Earthquake - coverage is added to pay your share of any loss assessment charged against you by a corporation or association of property owners when the assessment is made as a result of loss to the property caused by earthquake or after a volcanic eruption. |
| HO 24 52 |
Maryland Coverage for Lead Liability - Limited Lead Liability Coverage for that Portion of Your Dwelling Rented to Others. |
| H0 04 77 |
Ordinance or Law Coverage - additional percentage of coverage, as provided in this endorsement, for the enforcement of any ordinance or law regulating the construction, repair, or demolition of a building or other structure. |
| HO 24 43 |
Permitted Incidental Occupancies - Other Residence - provides limited coverage for listed business on the endorsement conducted by an "insured" on your specified premises. |
| HO 04 42 |
Permitted Incidental Occupancies - Residence Premises - provides limited coverage for the business listed on the endorsement that is conducted by an "insured" on the residence premises. |
|
|
| HO 04 40 |
Structures Rented to Others - Residence Premises - provides coverage for listed structures located on the "residence premises" that are rented or held for rental to any person, who is not a tenant of the dwelling, for use as a private residence. |
| FMHO 938 |
Watercraft Liability - provides limited liability and medical payments coverage for watercraft that you own. |
| FMHO 839 |
Scheduled Glass- the policy may be endorsed to cover items of glass on a scheduled basis only. |
| HO 24 96 |
Exclusion of Farm Employees Illegally Employed - Farm employees employed in violation of law. |
| HO 24 73 |
Farmers Personal Liability - provides coverage when the insured has a farm away from the residence premises and farming is not his primary occupation. |
| HO 24 72 |
Incidental Farming Personal Liability - provides coverage for the liability of the insured when farming is conducted on the residence premise and is incidental to the use of the premise as a dwelling or when farming is conducted at the location specified in the endorsement. The income derived from farming cannot be the insured's primary source of income. |
| HO 24 13 |
Incidental Motorized Land Conveyances - provide Liability and Medical payment coverage for certain motorized land conveyances ( i.e. motorized wheelchairs) with a 15 MPH maximum attainable speed, which are not subject to motor vehicle registration. |
| HO 04 10 |
Additional Interests - Residence Premises- in addition to the mortgagee (if any) shown on the declaration, the additional interests listed on the endorsement will be notified in writing if the insurer decides to cancel or non-renew the policy. |
| HO 23 38 |
Home Day Care Coverage - Maryland - provides coverage for the insured's Home Day Care "business" conducted by an "insured" on the "residence premises," subject to certain restrictions. |
| FMHO 700 |
Musical Instruments - Professional Use - provides coverage, subject to certain restrictions, for musical instruments used in a professional manner. |
| HO 04 50 |
Increased Limit on Personal Property In Other Residence - provides increased coverage to the insured's personal property situated at an insured's residence that is not the primary residence premises. |
| HO 04 52 |
Livestock Collision Coverage - to cover loss resulting in death of covered livestock resulting from collision or overturn of a vehicle on which the livestock are being transported; or livestock turning into or being struck by a vehicle. |
| HO 24 82 |
Personal Injury - provides liability coverage for personal injury to Others. Also, false arrest, libel or invasion of privacy may be added to the Homeowners policy. |
| HO 24 64 |
Snowmobile - provides coverage when a snowmobile is used off the insured location. |
| HO 24 74 |
Three of Four Family Dwelling - Premises Liability - For an additional premium, Liability and Medical Payments to Others is extended to a 3 or 4 family dwelling. |
| HO 04 53 |
Credit Card, Fund Transfer Card, Forgery and Counterfeit Money Coverage - Increased Limit - increases the limit of liability for Additional Coverage 6., Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money. |
|
|
| FMHO 696 |
Small Boat and Motor Form - eliminates the $1000 coverage limitation for small boats, motors, boat trailers and related accessories; allows them to be added to the homeowners policy for stated amounts of liability subject to certain coverage restrictions. |
| HO 04 92 |
Specific Structures Away From The Residence Premises- coverage can be provided for a specific structure located away from the residence premise if use by you in connection with the residence premise. |
| FMHO 689 |
Contact Lens Form - provides coverage for contact lenses on a scheduled basis. |
| HO 04 12 |
Increased Limits on Business Property - provides a way to increase the special limit of liability that applies to business property on and off the residence premises. |
| HO 04 80 |
Resident Rental Theft - extends theft coverage while the portion of the residence premises usually occupied by the insured is occasionally rented in whole or in part to others, or while there is a rental to a roomer or boarder. |
| FMHO 687 |
Personal Gun Form - provides coverage for scheduled guns and gun accessories. |
| HO 04 98 |
Refrigerated Products - provides up to $500 in coverage for direct loss of covered property stored in freezers or refrigerators on your premises. |
| FMHO 746 |
Home Computer Endorsement - provides coverage for your computer equipment, as defined in this endorsement, against risk of direct physical loss. |
| HO 24 70 |
Additional Residence Rented to Others - provides liability and medical payments coverages to rental residences for 1 to 4 family dwellings. |
| HO 24 71 |
Business Pursuits - provides liability protection resulting from the insured's "business" activities conducted on the residence premises. |
| HO 04 54 |
Earthquake - Provides coverage for direct physical loss by Earthquake. |
| HO 04 49 |
Building Additions and Alterations - Other Residence - provides coverage for additions, alterations and improvements, made or acquired at an insured's expense to a part of a building that is rented to an "insured" as a residence and at the location shown in the schedule. |
| HO 04 65 |
Coverage C Increased Special Limits of Liability - Specified Peril - Increases the Special Limits of Liability under Coverage C - Personal Property on a named peril basis. |
| HO 04 51 |
Building Additions and Alterations - provides coverage for additions, alterations and improvements, made or acquired at your expense to the part of your premises used exclusively by you. |
