Now viewing items in Property Markets Resource Center » HO-3, PAP Policy Form Reviews

FAIA personal lines expert David Thompson reviews the coverage forms of various auto and homeowners companies. The reviews are housed in FAIA's Community (log-in required).

Resource TitleDescriptionRating
Ark Royal Insurance: HO-3 Policy Review Ark Royal uses the ISO homeowners 1991 program as the basis for its policy and adds company-specific endorsements. The policy reviewed used standard ISO forms such as the HO-3 coverage form, replacement cost coverage on contents, and home daycare exclusion. 1 2 3 4 5
People's Trust HO-3 Policy Review This review by FAIA instructor David Thompson compares People's Trust Insurance Co.'s HO-3 policy to the standard ISO form. (Log-in required) 1 2 3 4 5
Progressive PAP policy review Progressive Insurance Company introduced a new version of its Personal Auto Policy (PAP) in Florida effective 7/9/14. An analysis of the policy compared to the 2005 version of ISO’s PAP can be found in the Community (log-in required). 1 2 3 4 5
United Property & Casualty: HO-3 Policy Review UPC uses the ISO Homeowners 1991 program as the basis for its policy. As is almost always the case, company specific forms are also attached. The policy reviewed used standard ISO forms such as the HO-3 coverage form, fungi limitation, all-peril deductible, hurricane deductible, inflation guard, ordinance and law, replacement cost coverage on contents, home daycare exclusion, water backup, and exterior paint exclusion for the lower east coast. 1 2 3 4 5