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| *Loan,banking and credit>>>homeowner insurance |
Can anyone tell me where I can learn the details of parts of my homeowners insurance policy? |
Terms like HA-6,HA-300 IL, HA-32, HA-406, HO-827, 56432 and there's more. Are these "Policy Forms and Endorsements" specific to Travelers Insurance or are they used industry-wide? There must be a site that explains them. (I hope) The declarations page of your insurance policy - the document that details exactly what coverages you do and do not have - list all of the endorsements on your policy. Included with the decs page should be a few pages of pretty small print defining all of the terms used on the decs page. As far as the item numbers go, there are two possibilities. Some of those are going to be spelled out by the state insurance commission and used state-wide. Others are going to be essentially arbitrary names for endorsements that are specific to your insurance company in that state, e.g. the "HA-300 IL" item is almost certainly an endorsement for coverage in Illinois. As far as web pages, your best and probably only bet is to look at your policy information online through your insurance company's website. There is not likely to be a listing anywhere else for what are probably mostly internal numbering systems. If you can't find the information anywhere else, you can always call your insurance provider. Their customer service reps will be able to explain everything in detail. Hey, your insurance agent who is collecting the commission from the sale of your policy is the best bet. The policy itself should have been given to you when you became covered- it spells out everything, although in legalese. Your endorsements are like attaching postit notes to the already huge legalese copy you have in your files. I agree with your previous answerer- make your agent explain what you don't understand. these are endorsements attached to your policy and you should have received a copy of each one along with your policy, if you are still confused after reading them, then ask your agent to explain (each company has endorsements but they are not numbered the same) retired agent Check the web, or contact your insurance company. HA-6 - sounds like a condo form for Texas. Travelers does use ISO (standard) forms when allowed by the state they are writing in. The HA-300 is probably replacement cost contents, the others I don't recognize, but it's been a few years! There is not a web site that explains them, but you can request a copy of the endorsments and full policy from Travelers - they should be able to email them to you. And your agent should be able to sit down and explain them to you. The problem with a web site explaining them is, the forms are generated and sold by Insurance Services Offices (ISO), and they ONLY allow access to people who buy access, LOL, so if a company did put them up for public downloading, it's copywright infringement. Also, the interpretation can vary, and if someone put up an interpretation that was interpreted differently from the claims adjuster on a specific claim, that's an E&O claim waiting to happen!! |
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