What insurance policies can the Mobilehome Endorsement be added to?

The Mobilehome Endorsement is specifically designed to be added to certain homeowners insurance policies that cover personal property and provide liability protection for mobile or manufactured homes. It is compatible with HO-2 and HO-3 policies because these policies offer coverage for the dwelling and related structures, as well as personal property and personal liability.

HO-2, also known as the broad form homeowners policy, provides a wider range of coverage for named perils, while HO-3 is known as the special form policy that typically covers the dwelling on an open perils basis (except for specifically excluded events). Both forms are suited to accommodate the Mobilehome Endorsement to extend coverage to mobile homes, ensuring that owners can protect their unique property types under the same insurance framework designed for traditional homes.

The other options do not accurately capture the compatible policies for the Mobilehome Endorsement. Some policies, like HO-1 and HO-4, either provide very limited coverage or cater to different types of residencies that do not align with mobile home coverage. Furthermore, the standalone policy option does not apply, as the Mobilehome Endorsement specifically enhances existing homeowners insurance policies rather than existing as an independent coverage.