Policy Forms by State

 Homeowners

Form Number Description Version Date Download
HO SW 05X 01 20 Animal Liability Exclusion for Vicious Dogs January 2020
HO SW 05 04 18 Animal Liability Sublimit Endorsement May 2018
HO SW 03 01 19 Enhanced Property Endorsement March 2019
HO SW EB AL 09 20 Equipment Breakdown Enhancement Endorsement – Alabama September 2020
HO AL SW FRRC 01 Fortified Roof Replacement Coverage – Alabama January 2020
HO SW 02 08 17 Guaranteed Replacement Cost February 2017
HO 00 03 05 11 Homeowners 3 Special Form May 2011
VAVE 037 06 20 Homeowners Rental Coverage June 2020
VAVE 038 01 23 Homeowners Rental Coverage for Homes Occasionally Rented January 2023
HO 04 55 05 11

Identity Fraud Expense Coverage

May 2011
HO AL SW 13 01 19 Limited Carports Pool Cages And Screened Enclosures Coverage January 2019
HO 04 95 01 14 Limited Water Back Up and Sump Discharge or Overflow Coverage January 2014
HO 04 77 10 00 Ordinance Or Law Increased Amount Of Coverage October 2000
HO 24 82 05 11 Personal Injury Coverage May 2011
HO 04 90 05 11 Personal Property Replacement Cost Loss Settlement May 2011
HO 06 48 10 15 Residence Premises Definition Endorsement October 2015
SW HO ACV ROOF 06 21 Roofing Materials Payment Schedule June 2021
BIC HO 06 44 03 22 Roof Surfacing Cosmetic Damage Exclusion Windstorm Or Hail March 2022
HO SW 10 02 21 Seasonal Or Secondary Dwelling Endorsement February 2021
HO 04 99 10 00 Sinkhole Collapse October 2000
HO SW 01 01 01 19 Special Provisions Alabama January 2019
HO 04 20 05 11 Specified Additional Amount Of Insurance For Coverage A Dwelling May 2011
HO SW 30 01 24 Windstorm Or Hail Coverage Rejection Form January 2024
HO 03 12 05 11 Windstorm Or Hail Percentage Deductible May 2011

Private Flood

Form Number Description Version Date Download
LMA 9023 09 13 Alabama Written Disclosure Statement (Surplus Lines) September 2013
VAVE F11 12 23 Appraisal Addendum December 2023
LMA 5393 03 20 Communicable Disease Endorsement March 2020
NMA 2802 12 97 Electronic Date Recognition Exclusion December 1997
LMA 5062 09 06 Fraudulent Claims Clause September 2006
NMA 2868 08 00 Lloyd’s Certificate August 2000
LSW 1135B 06 03 Lloyd’s Privacy Policy Statement June 2003
LMA 5018 09 05 Microorganism Exclusion September 2005
PL SW SL MEP 01 23 Minimum Earned Premium January 2023
VAVE F02 05 22 Private Flood Insurance Program Policy (ACV Contents) May 2022
VAVE 035 05 22 Private Flood Insurance Program Policy (RCV Contents) May 2022
VAVE F04 06 22 Private Flood Insurance Waiting Period June 2022
LMA 5401 11 19 Property Cyber and Data Exclusion November 2019
NMA 1191 05 59 Radioactive Contamination Exclusion Clause May 1959
LMA 3200 10 23 Sanctions Suspension Clause October 2023
VAVE F03 01 22 Standard Policy Conditions January 2022
NMA 2918 10 01 War & Terrorism Exclusion Endorsement October 2001

 Homeowners

Form Number Description Version Date Download
HO SW 13 01 19 Limited Screened Enclosure And Carport Coverage January 2019
HO 04 95 01 14 Limited Water Back Up And Sump Discharge Or Overflow Coverage January 2014
HO 03 51 05 13 Calendar Year Hurricane Deductible Percentage With Supplemental Reporting Requirement Florida May 2013
N/A Checklist Coverage March 2020
HO SW DN FL 01 19 Deductible Options Notice January 2019
HO SW 14 09 20 Direct Repair Deductible Savings Program September 2020
HO SW 03 01 19 Enhanced Property Endorsement January 2019
HO SW EB FL 09 20 Equipment Breakdown Enhancement Endorsement Florida September 2020
N/A Florida Homeowners Application April 2020
HO 03 33 05 13 Fungi Wet Or Dry Rot Or Bacteria Increased Amount Of Section 1 Property Coverage Florida

May 2013
HO 00 03 05 11 Homeowners 3 Special Form May 2011
HO SW DS FL 01 01 19 Homeowners Policy Declarations January 2019
VAVE 037 06 20 Homeowners Rental Coverage June 2020
VAVE 038 01 23 Homeowners Rental Coverage For Homes Occasionally Rented January 2023
HO 04 55 05 11 Identity Fraud Expense Coverage May 2011
HO 03 34 05 13 Limited Fungi Wet Or Dry Rot Or Bacteria Section 2 Liability Coverage Florida May 2013
HO SW 13 01 19 Limited Screened Enclosure And Carport Coverage January 2019
HO 04 95 01 14 Limited Water Back Up And Sump Discharge Or Overflow Coverage January 2014
HO SW 15 10 20 Limited Water Damage Coverage Endorsement October 2020
HO 04 96 10 00 No Section 2 Liability Coverages For Home Day Care Business October 2000
HO SW 08 03 18 Ordinance Or Law Amended Amount Of Coverage March 2018
HO SW 12 03 18 Ordinance Or Law Coverage Notification Form March 2018
HO 24 83 05 13 Personal Injury Coverage Florida May 2013
HO 06 08 10 08 Personal Property Exclusion Florida October 2008
HO 23 86 05 13 Personal Property Replacement Cost Loss Settlement Florida May 2013
HO SW 18 01 19 Reasonable Emergency Measures And Duties After Loss January 2019
HO 06 48 10 15 Residence Premises Definition Endorsement October 2015
SW HO FL ACV ROOF 03 21 Roofing Materials Payment Schedule Florida March 2021
HO SW 10 02 21 Seasonal Or Secondary Dwelling Endorsement February 2021
HO SW 16 01 19 Sinkhole Loss Coverage January 2019
HO SW 01 09 09 20 Special Provisions Florida September 2020
HO SW FL 06 12 18 Specified Additional Amount Of Insurance For Coverage A Dwelling Florida December 2018
HO SW FL ACV ROOF 03 21 20 Storm Damage For Roof Surfacing March 2020
HO SW 30 01 24 Windstorm Or Hail Coverage Rejection Form January 2024
HO SW 05 01 19 Windstorm Or Hail Exterior Paint Or Waterproofing Exclusion Seacoast January 2019
HO 04 89 05 13 Windstorm Or Hail Exclusion Florida May 2013

Private Flood

Form Number Description Version Date Download
VAVE F11 12 23 Appraisal Addendum December 2023
LMA 5393 03 20 Communicable Disease Endorsement March 2020
NMA 2802 12 97 Electronic Date Recognition Exclusion December 1997
LMA 5062 09 06 Fraudulent Claims Clause September 2006
NMA 2868 08 00 Lloyd’s Certificate August 2000
LSW 1135B 06 03 Lloyd’s Privacy Policy Statement June 2003
LMA 5018 09 05 Microorganism Exclusion September 2005
PL SW SL MEP 01 23 Minimum Earned Premium January 2023
VAVE F02 05 22 Private Flood Insurance Program Policy (ACV Contents) May 2022
VAVE 035 05 22 Private Flood Insurance Program Policy (RCV Contents) May 2022
VAVE F04 06 22 Private Flood Insurance Waiting Period June 2022
LMA 5401 11 19 Property Cyber and Data Exclusion November 2019
NMA 1191 05 59 Radioactive Contamination Exclusion Clause May 1959
LMA 3200 10 23 Sanctions Suspension Clause October 2023
VAVE F03 01 22 Standard Policy Conditions January 2022
SWY ES SL FL CA DISC 10 23 Surplus Lines Disclosure October 2023
SWY SL FL DISC ACK 01 23 Surplus Lines Disclosure and Acknowledgement January 2023
NMA 2918 10 01 War & Terrorism Exclusion Endorsement October 2001

 Homeowners

Form Number Description Version Date Download
HO SW LA CNNR 12 23 Amendatory Cancellation and Nonrenewal Endorsement December 2023
HO SW ALX 11 23 Animal Liability Exclusion November 2023
HO SW ALS 11 23 Animal Liability Sublimit Endorsement November 2023
HO SW SL AOB 11 23 Assignment of Benefits Fully Prohibited November 2023
HO SW 14 11 23 Direct Repair Deductible Savings Program November 2023
HO SW 03 11 23 Enhanced Property Endorsement November 2023
HO SW EB LA 12 23 Equipment Breakdown Enhancement Endorsement Decemeber 2023
HO SW 03 33 11 23 Fungi, Wet or Dry Rot, or Bacteria Increased Amount of Section I November 2023
HO SW 02 12 23 Guaranteed Replacement Cost December 2023
SWY NC PJ 05 21  Homeowners E&S Policy Jacket – Louisiana

May 2021
HO SW LA HDS 12 23 Homeowners Insurance Policy Coverage Disclosure Summary December 2023
HO SW SL LA DS 01 12 23 Homeowners SL Policy Declarations – Louisiana December 2023
HO SW 04 55 11 23 Identity Fraud Expense Coverage November 2023
HO SW 03 34 12 23 Limited Fungi, Wet or Dry Rot, or Bacteria Section II – Liability Coverage Decemeber 2023
HO SW 13 11 23 Limited Screen Enclosure and Carport Coverage November 2023
HO SW 04 95 11 23 Limited Water Back-Up and Sump Discharge or Overflow Coverage November 2o23
HO SW 15 11 23 Limited Water Damage Coverage Endorsement November 2023
HO SW SL PN MEP 11 23 Minimum Earned Premium November 2023
HO SW 04 96 11 23 No Section II – Liability Coverages for Home Day Care Business November 2023
HO SW LA NHD 12 23 Notice of Homeowners Insurance Policy Deductible December 2023
IL P 001 01 04 OFAC Advisory Notice January 2004
HO SW 24 83 11 23 Personal Injury Coverage November 2023
HO SW 07 11 23 Personal Property Coverage Rejection Form November 2023
HO SW PPX 11 23 Personal Property Exclusion November 2023
HO SW 23 86 11 23 Personal Property Replacement Cost Loss Settlement November 2023
HO SW 18 11 23 Reasonable Emergency Measures and Duties After Loss November 2023
HO SW 06 44 11 23 Roofing System Cosmetic Damage Exclusion – Windstorm or Hail November 2023
HO SW CW ACV ROOF 12 23 Roofing System Payment Schedule December 2023
HO SW 10 11 23 Seasonal or Secondary Dwelling Endorsement November 2023
HO SW 16 10PD 11 23 Sinkhole Loss Coverage November 2023
HO SW 01 17 12 23 Special Provisions – Louisiana December 2023
HO SW ARC 11 23 Specified Additional Amount of Insurance for Coverage A Dwelling November 2023
SW HO TIC PRI 03 23 Topa Ins Co – Privacy Notice March 2023
HO SW LA TCPFD 12 23 Tropical Cyclone Percentage or Fixed-Dollar Deductible December 2023
HO SW 30 01 24 Windstorm Or Hail Coverage Rejection Form January 2024
HO SW 05 11 23 Windstorm Or Hail Exterior Paint or Waterproofing Exclusion – Seacoast November 2023
HO SW 03 12 10 22 Windstorm Or Hail Percentage or Fixed-Dollar Deductible October 2022

 Homeowners

Form Number Description Version Date Download
HO 05 23 09 01 Amendatory Nonrenewal Endorsement September 2001
HO SW 05X 06 20 Animal Liability Exclusion For Vicious Dogs Massachusetts June 2020
HO SW 05 06 18 Animal Liability Sublimit Endorsement Massachusetts June 2018
HO SW MA 03 07 17 Enhanced Property Endorsement Massachusetts July 2017
HO SW EB MA 09 20 Equipment Breakdown EnhancementEndorsement Massachusetts September 2020
HO SW 02 08 17 Guaranteed Replacement Cost August 2017
HO 00 03 05 11 Homeowners 3 Special Form May 2011
HO 42 97 05 11 Identity Fraud Expense Coverage Texas May 2011
HO 05 38 05 11 Limited Fungi Wet Or Dry Rot Or Bacteria Coverage Massachusetts May 2011
HO 04 95 01 14 Limited Water Back Up And Sump Discharge Or Overflow Coverage

January 2014
HO 04 77 10 00 Ordinance Or Law Increased Amount Of Coverage October 2000
HO 24 82 05 11 Personal Injury Coverage May 2011
HO 04 90 05 11 Personal Property Replacement Cost Loss Settlement May 2011
N/A Policy Jacket November 2019
HO 05 47 05 11 Property Remediation For Escaped Liquid Fuel And Limited Escaped Liquid Fuel Liability Coverages Massachusetts May 2011
HO 06 48 10 15 Residence Premises Definition Endorsement October 2015
SW HO ACV ROOF 06 21 Roofing Materials Payment Schedule June 2021
HO SW MA 10 04 21 Seasonal Or Secondary Dwelling Endorsement Massachusetts April 2021
HO 04 99 10 00 Sinkhole Collapse October 2000
HO 01 20 05 11 Special Provisions Massachusetts May 2011
HO 05 08 05 11 Specified Additional Amount Of Insurance For Coverage A Dwelling Massachusetts May 2011
HO SW 30 01 24 Windstorm Or Hail Coverage Rejection Form January 2024
HO 03 12 05 11 Windstorm Or Hail Percentage Deductible May 2011

Private Flood

Form Number Description Version Date Download
VAVE F11 12 23 Appraisal Addendum December 2023
LMA 5393 03 20 Communicable Disease Endorsement March 2020
NMA 2802 12 97 Electronic Date Recognition Exclusion December 1997
LMA 5062 09 06 Fraudulent Claims Clause September 2006
NMA 2868 08 00 Lloyd’s Certificate August 2000
LSW 1135B 06 03 Lloyd’s Privacy Policy Statement June 2003
LMA 9054 09 13 Massachusetts Surplus Lines Notice September 2013
LMA 5018 09 05 Microorganism Exclusion September 2005
PL SW SL MEP 01 23 Minimum Earned Premium January 2023
VAVE F02 05 22 Private Flood Insurance Program Policy (ACV Contents) May 2022
VAVE 035 05 22 Private Flood Insurance Program Policy (RCV Contents) May 2022
VAVE F04 06 22 Private Flood Insurance Waiting Period June 2022
LMA 5401 11 19 Property Cyber and Data Exclusion November 2019
NMA 1191 05 59 Radioactive Contamination Exclusion Clause May 1959
LMA 3200 10 23 Sanctions Suspension Clause October 2023
VAVE F03 01 22 Standard Policy Conditions January 2022
NMA 2918 10 01 War & Terrorism Exclusion Endorsement October 2001

 Homeowners

Form Number Description Version Date Download
HO SWNJ 03 03 17 Enhanced Property Endorsement New Jersey March 2017
HO SW EB NJ 09 20 Equipment Breakdown Enhancement Endorsement New Jersey September 2020
HO SW 02 08 17 Guaranteed Replacement Cost August 2017
HO 00 03 05 11 Homeowners 3 Special Form May 2011
N/A Homeowners Insurance Summary November 2019
HO 04 55 05 11 Identity Fraud Expense Coverage May 2011
HO 04 27 05 11 Limited Fungi Wet Or Dry Rot Or Bacteria Coverage May 2011
HO 04 95 01 14 Limited Water Back Up And Sump Discharge Or Overflow Coverage January 2014
HO SW 15 10 20 Limited Water Damage Coverage Endorsement October 2020
N/A

New Jersey Homeowners Application

April 2020
N/A New Jersey Policy Jacket November 2019
HO 24 92 04 New Jersey Workers Compensation And Employers Liability Coverage April 2002
N/A New Jersey Flood Notice November 2019
HO 24 82 05 11 Personal Injury Coverage May 2011
HO 04 90 05 11 Personal Property Replacement Cost Loss Settlement May 2011
HO 05 76 05 11 Property Remediation For Escaped Liquid Fuel And Limited Lead And Escaped Liquid Fuel Liability Coverages New Jersey May 2011
HO SW 10 02 21 Seasonal Or Secondary Dwelling Endorsement February 2021
HO 04 99 10 00 Sinkhole Collapse October 2000
HO 01 29 05 11 Special Provisions New Jersey May 2011
HO 04 20 05 11 Specified Additional Amount Of Insurance For Coverage A Dwelling May 2011
HO 03 32 05 11 Windstorm Or Hail Fixed Dollar Deductible New Jersey May 2011
HO 03 12 05 11 Windstorm Or Hail Percentage Deductible May 2011

 Homeowners

Form Number Description Version Date Download
HO SW 05 NY 04 18 Canine Liability Sublimit Endorsement New York April 2018
HO SW 03 01 19 Enhanced Property Endorsement January 2019
HO SW EB NY 09 20 Equipment Breakdown Enhancement Endorsement New York September 2020
HO SWNY 02 08 17 Guaranteed Replacement Cost New York August 2017
HO 00 03 05 11 Homeowners 3 Special Form May 2011
HO 04 55 05 11 Identity Fraud Expense Coverage May 2011
HO 23 85 05 15 Limited Water Back Up And Sump Discharge Or Overflow Coverage New York May 2015
N/A New York Homeowners Application April 2020
HO SW PNNY2 02 19 New York Windstorm Deductible Disclosure Notice CAT 1 or Higher February 2019
HO SW PNNY3 02 19

New York Windstorm Deductible Disclosure Notice CAT 2 or Higher

February 2019
HO 24 86 10 11 Personal Injury Coverage New York October 2011
HO 04 90 05 11 Personal Property Replacement Cost Loss Settlement May 2011
HO 06 48 10 15 Residence Premises Definition Endorsement October 2015
HO SW 10 02 21 Seasonal Or Secondary Dwelling Endorsement February 2021
HO 04 99 10 00 Sinkhole Collapse October 2000
HO 01 31 09 15 Special Provisions New York September 2015
HO SWNY1 04 02 19 Windstorm Deductible CAT 1 or Higher Catastrophe Percentage and Fixed-dollar New York April 2019
HO SWNY2 04 02 19 Windstorm Deductible CAT 2 or Higher Catastrophe Percentage and Fixed-dollar New York April 2019

 Homeowners

Form Number Description Version Date Download
HO SW 05X 01 20 Animal Liability Exclusion For Vicious Dogs January 2020
HO SW 05 04 18 Animal Liability Sublimit Endorsement April 2018
HO SW 03 01 19 Enhanced Property Endorsement January 2019
HO SW EB TX 09 20 Equipment Breakdown Enhancement Endorsement Texas September 2020
HO SW 02 08 17 Guaranteed Replacement Cost August 2017
HO 00 03 05 11 Homeowners 3 Special Form May 2011
VAVE 037 06 20 Homeowners Rental Coverage June 2020
VAVE 038 01 23 Homeowners Rental Coverage For Homes Occasionally Rented January 2023
HO 42 97 05 11 Identity Fraud Expense Coverage Texas May 2011
HO SWTX 05 0417 Important Notice

April 2017
HO 04 69 01 14 Limited Water Back Up And Sump Discharge or Overflow Coverage Texas January 2014
HO 24 50 05 11 Personal Injury Coverage Texas May 2011
HO SW 23 04 04 17 Personal Property Replacement Cost Loss Settlement Texas April 2017
HO SW PNTX 06 17 Policy Limitation Disclosure Notice Pollution June 2017
HO 06 48 10 15 Residence Premises Definition Endorsement October 2015
SW HO ACV ROOF 06 21 Roofing Materials Payment Schedule June 2021
HO SW TX 10 01 20 Seasonal Or Secondary Dwelling Endorsement Texas January 2020
HO 04 99 10 00 Sinkhole Collapse October 2000
HO TX 01 42 07 17 Special Provisions Texas July 2017
HO 04 20 05 11 Specified Additional Amount Of Insurance For Coverage A Dwelling May 2011
N/A Texas Homeowners Application April 2020
IL N 178 03 13 Texas Period To File A Claim Or Bring Legal Action Against Us Notice Windstorm Or Hail Catastrophe Area March 2013
HO SW 30 01 24 Windstorm Or Hail Coverage Rejection Form January 2024
HO 03 12 05 11 Windstorm Or Hail Percentage Deductible May 2011

Private Flood

Form Number Description Version Date Download
VAVE F11 12 23 Appraisal Addendum December 2023
LMA 5393 03 20 Communicable Disease Endorsement March 2020
NMA 2802 12 97 Electronic Date Recognition Exclusion December 1997
LMA 5062 09 06 Fraudulent Claims Clause September 2006
NMA 2868 08 00 Lloyd’s Certificate August 2000
LSW 1135B 06 03 Lloyd’s Privacy Policy Statement June 2003
LMA 5018 09 05 Microorganism Exclusion September 2005
PL SW SL MEP 01 23 Minimum Earned Premium January 2023
VAVE F02 05 22 Private Flood Insurance Program Policy (ACV Contents) May 2022
VAVE 035 05 22 Private Flood Insurance Program Policy (RCV Contents) May 2022
VAVE F04 06 22 Private Flood Insurance Waiting Period June 2022
LMA 5401 11 19 Property Cyber and Data Exclusion November 2019
NMA 1191 05 59 Radioactive Contamination Exclusion Clause May 1959
PF DS SLCA TX 01 09 23 Residential Private Flood Policy Declarations for New & Renewal September 2023
LMA 3200 10 23 Sanctions Suspension Clause October 2023
VAVE F03 01 22 Standard Policy Conditions January 2022
LMA 9080 E 06 23 Texas Complaints Notice June 2023
NMA 2918 10 01 War & Terrorism Exclusion Endorsement October 2001