This endorsement extends Section I and/or Section II coverages for non-related couples, combinations of parent-child and others who have an interest, but may not be named on the policy or defined as an Insured in the policy. The information needed to apply for this endorsement is the full legal name of all parties involved, the mailing address for each if they are not located at the insured property and a description of the legal interest of all parties concerned.

This provides Liability Coverage for premises rented to others. The information needed for this endorsement is the property location, whether it is a single family or duplex type dwelling, whether medical payments are desired and whether there are business pursuits on the premises. The maximum number of units is ten. A commercial policy is needed for anything beyond ten units.

Note: This is not intended for secondary/seasonal residence liability.

For a reduction in premium, dwelling roof coverings are settled on an actual cash value basis, rather than on a replacement cost basis. This endorsement may not be combined with the Windstorm, Hurricane and Hail Exclusion Endorsement (TX059.)

For purposes of this endorsement, roof covering means:

1. The roof covering exposed to the weather.

2. The underlayments applied for moisture protection.

3. All flashings required in the replacement of a roof covering.

A.

1. The ACV Roof Endorsement (TX131) requires a 1% wind/hail and tropical cyclone deductible or greater or the equivalent dollar delimited deductible

This endorsement can be added to cover loss assessment to an owner-occupied single family dwelling or townhouse that has an owners Association up to a maximum of $50,000.

For an additional premium, this increases the limit of coverage for Building Law Ordinance above the 10% included in the policy to the insured’s choice of 25% or 50% the Coverage A (Dwelling) stated limit of insurance

This is a mandatory exclusionary endorsement if a policyholder has a metal roof and otherwise qualifies for the hail resistive roof discount. Does not cover cosmetic loss or damage to roof coverings caused by the peril of hail. This endorsement is void unless signed by the insured.

Deletes the Residential Community Property Clause contained under Section I - Conditions. There is no charge for this endorsement. The request for deletion must be signed by both the named Insured and the spouse, and can be in the form of an application or letter. This form should be kept indefinitely.

The special limit of liability for the category of Business Personal Property on the premises may be increased as needed from $2,500 to $10,000 by attachment of Endorsement TX052. Electronic Data Processing Equipment must be increased separately by endorsement TX128.

Increases the stated limit of insurance applicable to the following classes of personal property:

1. Jewelry, watches, precious and semi-precious stones and furs can be increased from $2,500 to $10,000 (limited to $2,500 per article)

2. Firearms can be increased from $2,500 to $10,000

3. Electronic Data Processing Equipment can be increased from $5,000 to $10,000

4. Securities, deeds and valuable papers can be increased from $1,500 to $10,000 subject to underwriting review

5. Silverware, gold ware, platinum ware and pewter ware can be increased from $3,000 to $10,000 (limited to $2,500 per article)

6. Collectable cards and comic books can be increased from $2,500 to $10,000

This endorsement provides coverage for the necessary and reasonable costs to remediate, repair or replace covered property for actual physical damage caused by mold, fungi, or other microbes that results directly from covered water damage resulting from only the following perils: fire and lightning; sudden and accidental damage from smoke; windstorm/tropical cyclone/hail; explosion; aircraft and vehicles; vandalism and malicious mischief; riot and civil commotion; and theft losses which are otherwise covered under the policy.

Covers access to a plumbing system or household appliance in or below a slab, foundation, concrete floor, concrete pad or patio from which water suddenly and accidentally discharged, erupted, overflowed or was released. This coverage is only available on Homes with copper supply lines and PVC drain lines. The limit of

insurance for this coverage is $3,500 or 5% of Coverage A (Dwelling) whichever is greater.

This endorsement allows the insured to choose to insure their dwelling for actual cash value or market value. The endorsement changes the loss settlement provision in the policy for the dwelling from replacement cost to actual cash value. The insured must insure the dwelling for 100% of the actual cash value but not for more than 80% of

the replacement cost estimate.

This endorsement extends liability when the Insured maintains an incidental office, etc., in the described welling or in a separate structure on the premises. When applying for this endorsement include the square footage used for the business, type of business and number and frequency of customers.

The endorsement provides property and liability coverages for the homeowner whose property is located on agricultural land of small acreage and the income derived from it is nil or incidental to the resident. Employer liability is not written and is specifically excluded in the endorsement.

The coverages are:

1) named perils on Farm Buildings and Structures, and Farm Personal Property and,

2) Farm Liability.

Farm Liability may be written separately or in combination with Farm Buildings/Structures and/or Farm Personal Property. Loss settlement for all Farm property (buildings, structures and farm personal property) is settled at Actual Cash Value. All farm buildings must be scheduled, or if not scheduled, they must be excluded on the TX138.

Breakage of glass that is physically part of the dwelling or separate structure is covered as an extension of coverage subject to the applicable deductible. This endorsement waives the deductible for such covered losses.

This adds open perils floater coverage for certain classes of personal property (subject to exclusions stated in the endorsement).

This endorsement excludes coverage for separate structures in unacceptable condition for property and liability coverage. The endorsement is intended for otherwise exceptional business and requires underwriting review and approval. The insured is required to acknowledge the exclusion with their signature.

This endorsement covers sudden and accidental water backup from any portion of a plumbing system which portion is within the interior of the dwelling or separate structure $5,000 of coverage extends to losses under coverages A & B. A $500 deductible applies to each covered loss.

This adds liability coverage excluded by the terms of Section II. Boats unacceptable for the Boatowners Policy are also unacceptable for this endorsement. Provide length, horsepower, MPH and if inboard or outboard. The maximum speed capacity for the boat may be no more than 55 MPH.

This excludes windstorm, hurricane and hail coverage that may be provided by the policy. This endorsement is mandatory for coastal properties located in designated catastrophe area. The endorsement form must be signed by the named Insured.

This endorsement extends Section I and/or Section II coverages for non-related couples, combinations of parent-child and others who have an interest, but may not be named on the policy or defined as an Insured in the policy. The information needed to apply for this endorsement is the full legal name of all parties involved, the mailing address for each if they are not located at the insured property and a description of the legal interest of all parties concerned.

This provides Liability Coverage for premises rented to others. The information needed for this

endorsement is the property location, whether it is a single family or duplex type dwelling, whether

medical payments are desired and whether there are business pursuits on the premises. The maximum number of units is ten. A maximum of 20 units may be added if there is a companion personal umbrella policy with Farmers, otherwise a commercial policy is needed for anything beyond ten units.

Note: This is not intended for secondary/seasonal residence liability.

This verifies that the amount of insurance under Coverage A will comply with the amount needed for

replacement cost coverage. This requires 90% insurance to value. This is not guaranteed replacement cost.

Coverages C and D may be extended to certain salesmen, teachers, and clerical persons. This

coverage does not apply when the Insured is sole owner or partner. This endorsement cannot be

written with the HO-201. State the occupation of the Insured and whether or not corporal punishment

liability is desired.

This is a mandatory exclusionary endorsement if a policyholder has a metal roof and otherwise qualifies for the hail resistive roof discount. Does not cover cosmetic loss or damage to roof coverings caused by the peril of hail. This endorsement is void unless signed by the insured.

Deletes the Residential Community Property Clause contained under Section I - Conditions. There is

no charge for this endorsement. The request for deletion must be signed by both the named Insured

and the spouse, and can be in the form of an application or letter. This form should be kept indefinitely.

This adds Section II Liability coverages for an Insured who has farm liability exposures. When adding

this endorsement specify the property location, the acreage, if the property is leased or owner operated and what farm buildings are on the property. In addition, this endorsement can provide coverage for animal collision for up to $400 per animal. Include the number of animals when applying for this endorsement.

This endorsement amends the HO-A policy form by deleting the following sections in their entirety and substitutes amended sections in their place.

Definitions

Section I – Property Coverage, Extensions of Coverage, Paragraph 2., Loss of Use, Perils Insured Against,

Exclusions

Section II – Exclusions

As part of these changes, this endorsement provides coverage for the necessary and reasonable costs to remediate, repair or replace covered property for actual physical damage caused by mold, fungi, bacteria or other microbes that results directly from a water damage loss caused by one or more of the Perils Insured Against under the policy.

See endorsement for details.

For an additional premium, coverage will be provided for expenses incurred as the result of fraudulent use of the Insured’s identity by a third party. Maximum limit of liability per identity fraud loss is $15,000. A $100 deductible is applicable per loss.

For an additional premium, this increases the limit of coverage for Building Law Ordinance above the $5000 included in the policy to a percentage of the Coverage A (Dwelling) limit of liability.

Increases coverages from $500 on bullion and valuable papers to a maximum amount of $1,000. This coverage must be written in increments of $100.

Increases coverages from $100 to maximum amount of $500 on money/bank cards. This coverage must be written in increments of $100.

The special limit of liability for the category of Business Personal Property may be increased as needed from $2,500 to $10,000.

Adds up to $4,500 of coverage for theft to the policy limit on the above mentioned items.

Mandatory endorsement for HO-A Farmers.

Provides replacement cost to the dwelling.

HO-A Mandatory endorsement with 100% insurance to value with HO-A Farmers. Available with

renewing HO-A Fire with 80% minimum insurance to value.

This endorsement provides coverage for the necessary and reasonable costs to remediate, repair or replace covered property for actual physical damage caused by mold, fungi, or other microbes that results directly from a water damage loss which is otherwise covered under the policy.

This endorsement can be added to cover loss assessment to an owner-occupied single family dwelling that has a Neighborhood Homeowners Association up to a maximum of $50,000. Also, this may be attached to a Homeowners policy to extend loss assessment coverage to a residence that the homeowner owns, but does not occupy (rental property). To extend assessment coverage, the owner must also have the HO-225 to provide liability coverage to the rental property.

This endorsement extends liability when the Insured maintains an incidental office, etc., in the described dwelling or in a separate structure on the premises. This cannot be written in conjunction with endorsement HO-201.

Covers electronic equipment and media located at the same residential premises as the Insured. $100 deductible applies.

This endorsement adds liability coverage for libel, slander, false arrest, etc. It cannot be written in

conjunction with Endorsements HO-205 or HO-220.

This provides coverage on related professional equipment while away from the Insured person's office subject to specific limits described in the endorsement.

Provides replacement cost coverage for contents. Coverage B must be 60% of Coverage A.

This endorsement covers up to $100 per window pane. Scheduled glass coverage is also available.

Include the number of panes, size and value.

This adds all risk floater coverage for certain classes of personal property.

This adds windstorm, hurricane and hail coverages that are excluded by the policy. This includes satellite dishes. Coverage must be written in increments of $100. Not available in conjunction with any wind, hurricane or hail exclusion.

This adds liability coverage excluded by the terms of Section II. Boats unacceptable for the Boatowners policy are also unacceptable for this endorsement. Provide length, horsepower, MPH and if inboard or outboard. The maximum speed capacity for the boat may be no more than 55 MPH.

This excludes windstorm, hurricane and hail coverage that may be provided by the policy. This endorsement is mandatory for coastal properties located in designated catastrophe area (first tier counties). The endorsement form must be signed by the named Insured.