Includes copyrighted material of Insurance Services Office, Inc., with its permission.

 August 17, 2011

Provisions Applicable to the Liability Coverages

Summary: In addition to the seven conditions that apply to both the section I and section II coverages of the Insurance Services Office homeowners policies (see [HOMEOWNERS POLICY CONDITIONS.xml^Homeowners Policy Conditions, Personal Lines Volume, Dwellings section^Homeowners Policy Conditions]), there are ten conditions, changed from eight in the 1991 forms, that apply to section II only. The conditions are the same for all the various homeowners forms. The following discussion focuses on the 2011 edition.

Topics covered:

Limit of Liability

A.Limit of Liability

     Our total liability under Coverage E for all damages resulting from any one "occurrence" will not be more than the Coverage E limit of liability shown in the Declarations. This limit is the same regardless of the number of "insureds", claims made or persons injured. All "bodily injury" and "property damage" resulting from any one accident or from continuous or repeated exposure to substantially the same general harmful conditions shall be considered to be the result of one "occurrence".

     Our total liability under Coverage F for all medical expense payable for "bodily injury" to one person as the result of one accident will not be more than the Coverage F limit of liability shown in the Declarations.

 Analysis

 The first condition, A., limit of liability, provides that the insurer's total liability under coverage E, personal liability, resulting from any one occurrence will not exceed the limit shown in the declarations, regardless of the number of insureds, claims made, or persons injured. The definition of occurrence can be found in the current homeowners forms. See ISO Homeowners Definitions; for a discussion of the meaning of "occurrence," see Occurrence.

 Also, the first condition provides that liability under coverage F—medical payments to others—for all medical expense payable for bodily injury to one person as the result of one accident will not be more than the coverage F limit.

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