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Below is a listing of the documents that are available. Simply click on the document title to select that documents. The index is updated on a regular basis.
Browse by topic
Homeowners/dwelling
The ISO Homeowners Policy forms (2011)
A quick reference to each of the Insurance Services Office Inc. homeowners forms and the perils covered. 2 pages
There is no business like home business
Overviews the exposures and appropriate coverages for homeowners when having businesses within the home. 8 pages
A guide to choosing unit owners Coverage A limits
Discusses the HO-6 policy designed for condominium unit owners and what coverages are allotted. 3 pages
1994 ISO homeowners filing
Overview of ISO 1994 homeowners filing, which covers ordinance and law, pollutants, loss of use, earthquake, power failure and much more. 5 pages
One for all and all for one (community associations)
Addresses the issue of property owners who get financially entwined by association membership. 3 pages
Lenders’ unreasonable requests for replacement-cost limits
Summarizes the laws that protect mortgagees from mortgagors requiring them to insure their real property for more than the replacement cost. 5 pages
The ISO HOBIZâ„¢ Program
Explains ISO’s Home Business Insurance Coverage program designed for the home-based entrepreneur and their unique coverage needs. 3 pages
What does this new ISO Residence Premises endorsement do?
A comprehensive FAQ on the ISO Residence Premises endorsement and how it will impact your insureds. 2 pages
ISO—HO 2000 program
This kit offers an extensive look at the ISO Homeowners 2000 program and how it differs from previous versions. 15 pages
Homeowners options for the elderly
Offers some important coverage-related issues to bring to the attention of the elderly and their families. 2 pages
Two approaches to insuring your home—HO-2 vs. HO-3
Compares the ISO Homeowners 2 form with the ISO Homeowners 3 form and exposures that might not be covered under the “named” perils policy vs. the “open” perils policy. 3 pages
Covering nonowned property on a homeowners policy
Detailed discussion of coverage under the homeowners policy for the property of others and what may be considered property in the homeowners’ possession. 3 pages
One smart home in Malibu Pink, please
A discussion about smart technology, how it can be helpful to agents and policyholders alike. 2 pages
ISO 2000 HO endorsements
A helpful resource providing a brief description of the most common standard ISO 2000 homeowners endorsements. 10 pages
Home improvement
An in-depth discussion of the exposures your clients can face when having contractors work on their home. 3 pages
ISO 2022 HO Program
The resource kit gives you an overview of ISO’s 2022 HO Program, it’s new forms, endorsements and forms that will be withdrawn. 5 pages
Homeowners premises liability coverage
A comprehensive discussion of an insured premises under an ISO homeowners policy and applicable liability coverages. 2 pages
ISO pins down the ‘residence premises’ definition
A comprehensive overview of the ISO "residence premises" October 2015 ISO filing. 2 pages
Top 10 contractor hiring tips for homeowners
Quick tips for your homeowners clients who are considering hiring an outside contractor to do repairs on their home. 2 pages
Sump pump failure
A comprehensive discussion of the exposures a homeowner might have when their sump pump fails. 2 pages
What is the right property limit?
This resource kit discusses the many approaches for securing a property limit. 2 pages
Sample homeowners change in risk letter
A sample letter advising your policyholders of the need to notify their carriers when they have a change in risk. 1 page
Guide to the ISO HO 2011 Program
This resource kit explains all the revisions to the 2011 ISO Homeowners Program. 5 pages
ISO 2011 HO endorsements
A helpful resource providing a brief description of the most common standard ISO 2011 homeowners endorsements. 10 pages
Who is going to write this policy? Be prepared for the homeowners inspection
This resource kit discusses issues that can be uncovered during a home inspection. 2 pages
Home sharing means risk sharing
A comprehensive review of the latest trend in home sharing and the applicable insurance exposures. 2 pages
ISO reacts to home sharing and drones
This resource kit explains ISO’s new endorsements for home sharing and drones. 2 pages
Food delivery services
A comprehensive overview of food delivery services, the latest share-economy initiative for home delivery of food. 2 pages