This article provides an overview of the NFIP program development, rules and rating.

This article discusses the eighteen conditions that apply to the section I property coverages of the ISO homeowners forms. Note that there are seventeen conditions for form HO 00 04.

Analyzes how theft coverage for personal property is handled on the three dwelling property forms. Two theft endorsements provide limited or broad coverage. The 2002 dwelling theft forms are compared with older forms.

Discusses the twenty-five conditions applicable to the broad and special dwelling property forms, and the twenty-six that apply to the basic form. Includes differences between the 2014 and earlier editions.

Words and terms used throughout the ISO Homeowners Policy, 2000 and 2011 Editions.

Analyzes the provisions applicable to ISO homeowners liability coverages. Discussion focuses on 2011 form wording but notes differences from the 2000 edition.

Analysis of property coverage agreements in ISO Homeowners policies, 2011 program. Includes significant differences between current 2011 and 2000 editions.

Analyzes the causes of loss (perils), exclusions, and miscellaneous property endorsements used in the ISO Dwelling Property Forms, 2014 edition.

Analyzes exclusions found in Homeowners forms that provide open perils coverage, as well as general exclusions found in the Homeowners forms. Incorporates changes made in the ISO Homeowners 2011 Program.

Discusses ALE expenses once insured has permanently relocated.