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ISO Homeowners Section II

Summary: In addition to the liability and medical payments coverages, the Insurance Services Office (ISO) homeowners policy section II—liability coverages contains four additional coverages. Payments made under the additional coverages are in addition to the applicable limits of liability. This discussion takes up the coverage agreements, along with the exclusions applying to them.

Topics covered: Introduction Claim expenses First aid expenses Damage to property of others Loss assessment

Introduction

Four additional liability coverages are included in the ISO homeowners forms. The coverages are “additional,” in that they are not included within the insured’s section II limit of liability. These are claims expenses, first aid expenses, damage to property of others, and loss assessment.

Claim Expenses

A.Claim Expenses

We pay:

1.Expenses we incur and costs taxed against an “insured” in any suit we defend;

2.Premiums on bonds required in a suit we defend, but not for bond amounts more than the Coverage E limit of liability. We need not apply for or furnish any bond;

3.Reasonable expenses incurred by an “insured” at our request, including actual loss of earnings (but not loss of other income) up to $250 per day, for assisting us in the investigation or defense of a claim or suit; and

4.Interest on the entire judgment which accrues after entry of the judgment and before we pay or tender, or deposit in court that part of the judgment which does not exceed the limit of liability that applies.

Analysis

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