Homeowners Coverage Form

 July 19, 2012

 The Mutual Service Office, Inc. (MSO), provides custom rates, statistical services, custom forms, and manuals for mutual insurers. The MHO4 homeowners coverage form is paired with the MPL01 common provisions form in order to provide complete coverage for an insured residence. The MHO4 provides the covered perils, special limits, supplemental coverage limits, and additional policy provisions for personal property coverage only. There is little difference between this form and the MHO3. The MPL01 is the form that provides the common policy provisions including exclusions for the homeowners program. When combined with a declarations page these forms create an entire policy.