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Which ISO Homeowners endorsement attaches to an HO policy to schedule jewelry, furs, fine art, and similar valuables on an open-perils basis?
AHO 04 16 Premises Alarm or Fire Protection System
BHO 04 90 Personal Property Replacement Cost Loss Settlement
HO 04 61 Scheduled Personal Property Endorsement
DHO 05 24 Special Personal Property Coverage
Why this is the answer
HO 04 61, the Scheduled Personal Property Endorsement, attaches to any ISO Homeowners form and lists individual items or class blanket schedules across nine recognized categories. It functions identically in coverage scope to a separate Personal Articles Floater (PAF) but is written as an endorsement rather than a standalone inland marine policy, which simplifies billing and claims handling. HO 04 90 is the replacement-cost endorsement for unscheduled contents. HO 05 24 broadens Coverage C peril treatment generally but does not itemize valuables.
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