Programs

Personal Lines Program

The MSO Personal Lines Program consolidates all MSO personal lines provisions, maximizing integration and consistency of coverage and rating components. Each program (Homeowners, Combination Dwelling, Mobilehomeowners, Inland Marine) includes coverage and rating provisions specific to the program; however, approximately 90% of the rules, rating and endorsement provisions are the same under all three major programs.

Program Highlights

The primary differences between the programs are eligibility and premium tables.

All forms and endorsements use a prefix to identify their program use:
• MHO - Homeowners
• MDW - Dwelling Property
• MDL - Dwelling Liability
• MBO - Mobilehomeowners
• MIM - Inland Marine

In addition, an "MPL" prefix denotes forms and endorsements that are common to all programs. Both the manual and forms use program Logos (symbols) to easily identify the particular program that applies. Since MPL forms apply to all programs, they include all program Logos.

Homeowners	Combination Dwelling	Inland Marine	Mobilehomeowners

Common Provisions Form

A single Common Provisions Form (MPL 01) applies to all programs. This includes all Section I and II coverage provisions other than:
• The specific causes of loss (perils).
• The dollar limits of liability for Supplemental Coverages and certain personal property.
• Provisions unique to a specific program.

The basic coverages and supplemental coverages are identical in all programs. The same exclusions and conditions apply uniformly.

Section II coverage shown in MPL 01 is Comprehensive Personal Liability (CPL) type coverage. Under the Combination Dwelling Program, this can be replaced with premises type coverage by attaching MDL 1.

* If Inland Marine coverage is written independently, MPL 01 is replaced by MPL 02: Common Provisions Form, Special Coverages.

Supplemental Coverages

Under conventional forms, certain coverages are "found" in the form of exceptions to exclusions. Under the MSO programs, such coverages are specifically described and clarified in the Supplemental Coverages sections of MPL 01.

Main Property Coverages

• Coverage A - Your Dwelling
  Coverage for the following property on the residence premises: Your dwelling and attached structures.
  Building materials and supplies for use as part of the dwelling or other related structures.
  
  
• Coverage B - Other Related Structures
  Coverage for the following property on the residence premises: Unattached private structures related to use of the covered dwelling. Driveways, fences, patios, pavements and other related permanent construction.
  
  
• Coverage C - Personal Property
  Coverage for personal property owned or used by an insured. Property usually at another residence is covered for up to 10% of the Coverage C limit. When you move to a new residence this restriction does not apply for 45 days.
  
  Coverage is available for property of others while temporarily at the residence premises, or any other residence while occupied by you.
  
  
• Coverage D - Loss of Use
  Coverage for increased living expenses when the residence you occupy cannot be occupied due to a covered property loss.
  
  Loss of rent or loss of rental value of the residence premises is also covered.