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The Home Protector (HP) Programs

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The Home Protector (HP) Programs HP-HP MANUAL.DOC ULTRA HOME PROTECTOR and HOME PROTECTOR MANUAL The Ohio Mutual Insurance Group is pleased to provide a two-tiered program to meet your Homeowner needs: the Ultra Home Protector (UHP) and the Home Protector (HP) Programs. The UHP is an Ohio Mutual Insurance Company product; whereas, the HP is a United Ohio Insurance Company product. The UHP and HP provide property and liability coverage, using the rules and guidelines as outlined in this Manual. There are specific guidelines that govern both the UHP and HP Programs. The following pages contain the Ultra Home Protector and the Home Protector Manual. HOME PROTECTOR FORMS INDEX FORM RULE PAGE NO. DESCRIPTION NO. NO. A-119 Uninsured Motorists And Underinsured Motorists Coverage for Recreational Motor Vehicles .......................................................................................................... 414 66 CEF-357 Consumer Report Disclosure .......................................................................................... 103 4 CP-164 Recreational Motor Vehicle Liability ................................................................................ 413 66 GU-6784 General Endorsement ..................................................................................................... 208 18 HO-77 Recreational Vehicles/Snowmobiles (Physical Damage) ................................................ 328 44 HO-79 Boats and Motors (Physical Damage) ............................................................................. 338 48 HO-292 Lead Exclusion ................................................................................................................ 103 4 HO 00 02 Homeowners 2 - Broad Form (HP Only) ......................................................................... 101 1-2 HO 00 03 Homeowners 3 - Special Form (HP Only) ....................................................................... 101 1-2 HO 00 04 Homeowners 4 - Contents Broad Form (HP Only) .......................................................... 101 1-2 HO 00 05 Homeowners 5 - Comprehensive Form........................................................................... 101 1-2 HO 00 06 Homeowners 6 - Unit-owners Form (HP Only) ................................................................ 101 1-2 HO 01 34 Special Provisions - Ohio ........................................................................................103, 113 4, 12 HO 03 12 Windstorm or Hail Percentage Deductible ...................................................................... 306 27 HO 04 10 Additional Interest - Section I Only .................................................................................. 210 20 HO 04 12 Increased Limits on Business Property ........................................................................... 303 25 HO 04 13 Section I and II Exclusions for Computer-Related Damage or Injury .............................. 321 38 HO 04 16 Premises Alarm or Fire Protection System ..................................................................... 327 43 HO 04 20 Specified Additional Amount of Insurance for Coverage A - Dwelling (HP Only) .................................................................................................... 331 45 HO 04 26 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage (HO 00 02, HO 00 04, HO 00 06) (HP Only)............................................................. 339 51 HO 04 27 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage (HO 00 03 and HO 00 05) ......................................................................................... 339 51 HO 04 28 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage (HO 00 06 w/HO 17 31 or w/HO 17 32) (HP Only) ................................................... 339 51 HO 04 35 Loss Assessment Coverage ............................................................................................ 312 32 HO 04 36 Loss Assessment for Earthquake .................................................................................... 312 33 HO 04 40 Structures Rented to Others - Residence Premises Section I .................................................................................................................... 320 37 Section II ................................................................................................................... 401 54 HO 04 41 Additional Insured - Residence Premises ....................................................................... 102 2 HO 04 42 Permitted Incidental Occupancies - Residence Premises Section I .................................................................................................................... 320 37 Section II ................................................................................................................... 412 65 HO 04 48 Other Structures on the Residence Premises - Increased Limits ................................... 320 37 HO 04 49 Building Additions and Alterations - Other Residence..................................................... 302 25 HO 04 50 Personal Property at Other Residences - Increased Limit .............................................. 322 38 HO 04 51 Building Additions and Alterations - Increased Limit (HP Only) ...................................... 302 25 HO 04 53 Credit Card, Electronic Fund Transfer Card or Access Device, Forgery, and Counterfeit Money Coverage - Increased Limit ................................................. 304 26 HO 04 54 Earthquake ...................................................................................................................... 307 29 HO 04 56 Special Loss Settlement (HP Only) ................................................................................. 333 46 HO 04 59 Assisted Living Care Coverage ....................................................................................... 403 55 HO 04 60 Scheduled Personal Property Endorsement (With Agreed Value Loss Settlement) ....... 325 42 HO 04 61 Scheduled Personal Property Endorsement ................................................................... 324 42 HO 04 65 Coverage C - Increased Special Limits of Liability .......................................................... 322 39 HO 04 66 Coverage C - Increased Special Limits of Liability .......................................................... 322 39 HO 04 81 ACV Loss Settlement ...................................................................................................... 107 8 HO 04 92 Specific Structures Away From the Residence Premises ............................................... 319 36 HO 04 93 ACV Loss Settlement Windstorm or Hail Losses to Roof Surfacing ............................... 315 34 HO 04 96 No Section II - Liability Coverages for Home Day Care .................................................. 115 13 MAN-10 (12-13) Rules Forms Index - Page i UHP-HP MANUAL.DOC HOME PROTECTOR FORMS INDEX FORM RULE PAGE NO. DESCRIPTION NO. NO. HO 04 97 Home Day Care Coverage Section I .................................................................................................................... 320 37 Section II ................................................................................................................... 411 65 HO 05 24 Special Personal Property Coverage (HO 00 04) ........................................................... 326 43 HO 05 27 Additional Insured - Student Living Away From The Residence Premises .................... 404 56 HO 05 41 Extended Theft Coverage for Residence Premises Occasionally Rented to Others (HP Only) ..................................................................................... 329 44 HO 05 46 Landlord's Furnishings .................................................................................................... 311 32 HO 07 01 Home Business Insurance Coverage ............................................................................. 405 56 HO 07 50 Additional Insured - Managers Or Lessors Of Premises Leased To An Insured ............ 405 59 HO 07 51 Additional Insured - Vendors ........................................................................................... 405 59 HO 07 52 Loss Payable Provisions ................................................................................................. 405 59 HO 07 53 Exclusion - Personal and Advertising Injury ................................................................... 405 60 HO 07 54 Liquor Liability Exclusion and Exception For Scheduled Activities ................................. 405 60 HO 07 56 Valuable Papers And Records Coverage Increased Limits ............................................ 405 60 HO 07 57 Specific Coverage For Valuable Papers And Records ................................................... 405 60 HO 07 58 Sections I and II Exclusions For Computer-Related Damage Or Injury ......................... 405 61 HO 09 96 Coverage A Roof Exclusion ............................................................................................ 213 21 HO 09 97 Coverage B Roof Exclusion ............................................................................................ 213 21 HO 16 09 Water Exclusion Endorsement ........................................................................................ 119 15 HO 16 10 Water Exclusion Endorsement ........................................................................................ 119 15 HO 17 31 Unit-owners Coverage C - Special Coverage (HP Only) ................................................ 326 43 HO 17
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