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ISO Homeowners Endorsement MH 04 01

Summary: Insurance for mobilehome owners has been written on a package basis subject to standard rules and forms since the introduction of the mobilehome policy program of Insurance Services Office in the late 1960s. Current ISO manual rules provide for the writing of mobilehome insurance by means of endorsements to either homeowners form HO 00 02 10 00 or HO 00 03 10 00 . The endorsementstailor standard homeowners coverage to the exposures characteristic of mobilehomes.

This discussion centers on the 2000 edition of mobilehome endorsement MH 04 01 10 00 . Differences with the prior edition are noted. (Differences, however, are primarily in format. Changes in coverage are in the HO 00 02 and HO 00 03 to which the MH 04 01 is attached.) Optional endorsements for use with it, plus eligibility and other rules contained in the mobilehome supplement to the ISO homeowners manual, are included.

Topics Covered:Eligibility Limits of liabilityEndorsement MH 04 01 Policy conditionsOptional endorsementsPremium credits

Eligibility

The homeowners eligibility rule against the insuring of mobilehomes is deleted by mobilehome supplement rules, which provide that coverage under endorsement MH 04 01 may be written on mobilehomes designed for portability and year-round living. To be eligible for coverage, the mobilehome must be at least 10 feet wide and 40 feet long.

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