Texas Commissioner of Insurance Order No. 03-0110
adoption of USAA dwelling forms DP 00 03TX and DP 00 02TX, renters forms RP-1TX to RP-6TX, and forty-one endorsements, with comparisons against the Texas TDP-3 and HO-BT
Edition and licensing notes
Publisher. Texas Department of Insurance (www.tdi.texas.gov)
Edition. Commissioner's order, exempt filing notification under Insurance Code art. 5.96. The order identifies itself in its own text: "The policy forms and endorsements as adopted by the Commissioner of Insurance are on file with the Chief Clerk's Office of the Texas Department of Insurance under Reference No. P-0202-4 and are incorporated by reference by Commissioner Order No. 03-0110." THE ORDER PRINTS NO SIGNATURE DATE and the TDI page carries no Created/Updated footer either. The latest date the order states about itself is that the forms were "noticed in the December 13, 2002, issue of the Texas Register (27 TexReg 11175)".
Status. Order of the Texas Commissioner of Insurance, published by the Texas Department of Insurance; US state government work, public domain.
What this document is
Texas Commissioner of Insurance Order No. 03-0110: adoption of USAA dwelling forms DP 00 03TX and DP 00 02TX, renters forms RP-1TX to RP-6TX, and forty-one endorsements, with comparisons against the Texas TDP-3 and HO-BT is a reference published by Texas Department of Insurance (www.tdi.texas.gov). It is one of the Texas documents that insurance license exam questions are written from, including texas property & casualty, texas personal lines, texas claims adjuster practice questions. This page summarizes it and points to the official version, which is the text to rely on.
Sections cited in practice questions
Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.
- Tex. Comm'r of Ins. Order No. 03-0110, Section I.A (DP 00 02TX (Dwelling Property 2TX Broad Form))
“A. DP 00 02TX (Dwelling Property 2TX Broad Form). This form provides coverage on a broad named peril basis for dwellings, other structures, and personal property. This is similar to the Dwelling Property 3TX Special Form, described herein, except the building and other structures are insured on a...”
- Tex. Comm'r of Ins. Order No. 03-0110, Section III.B (Coverage for Vandalism and Malicious Mischief)
“The USAA policy excepts loss from vandalism or malicious mischief if the dwelling is vacant for more than 30 days immediately before a loss. (See Perils Insured Against , item 2.f.) The TDP-3 provides coverage for all perils insured against for up to 60 days of vacancy. (See Conditions, item 17.)”
- Tex. Comm'r of Ins. Order No. 03-0110, Section III.C (Coverage for Improvements, Alterations and Additions)
“The USAA policy restricts coverage for a tenant of the Described Location to 10% of the Coverage C limit of liability for loss by a Peril Insured Against to improvements, alterations and additions, made or acquired at the tenant’s expense. (See Coverages, Other Coverages, item 3.) The coverage...”
- Tex. Comm'r of Ins. Order No. 03-0110, Section III.E.1 (Restrictions in Dwelling Coverage: Coverage for Personal Property)
“1. The USAA policy does not provide coverage for business property. (See Coverages, Coverage C Personal Property) The TDP-3 provides coverage for business personal property while it is on the described location.”
- Tex. Comm'r of Ins. Order No. 03-0110, Section IV.C (Dwelling Coverage Enhancements: Glass and Safety Glazing Material)
“C. The USAA policy provides coverage for the breakage of glass or safety glazing material which is part of a covered building, storm door or storm window; and damage to covered property by glass or safety glazing material which is part of a building, storm door or storm window. (See Coverages,...”
- Tex. Comm'r of Ins. Order No. 03-0110, Section I.B.1, I.B.2 (DP 00 03TX (Dwelling Property 3TX Special Form))
“1. It covers the dwelling and other private structures on the premises against the risk of direct physical loss, with certain exceptions. 2. It covers personal property on and away from the premises against losses by fire or lightning, windstorm or hail, explosion, riot or civil commotion,...”
- Tex. Comm'r of Ins. Order No. 03-0110, Section III.E.3 (Restrictions in Dwelling Coverage: Coverage for Personal Property)
“3. The USAA policy does not provide coverage for watercraft, other than rowboats and canoes. (See Coverages, Coverage C, Personal Property, Property Not Covered, item 5.) The TDP-3 provides coverage for watercraft including outboard motors and furnishings or equipment while located on the described...”
- Tex. Comm'r of Ins. Order No. 03-0110, Section V (USAA Dwelling Endorsements)
“Some of the endorsements provide coverage not currently available under a Texas dwelling policy, including (1) an Increased Fire Department Service Charge endorsement that provides coverage for fire department service charges incurred when the fire department is called to save or protect property...”
- Tex. Comm'r of Ins. Order No. 03-0110, Section IX.B (Restrictions in Renters Coverage: Coverage for Firearms)
“The USAA policy limits the coverage for firearms and their equipment and accessories to losses by the peril of theft with a maximum limit of liability of $2,000. (See Dollar Limits on Some Property, item 4.) The HO-BT provides coverage for firearms to the extent described under the Perils Insured...”
- Tex. Comm'r of Ins. Order No. 03-0110, Section VI (Renters Policies)
“The foundation of the renters policy consists of a declarations page and an RP-1TX which is the general provisions form that is attached to each renters policy. If the insured wants only property coverage, then one of the property coverage forms is attached which may include any one of the...”
- Tex. Comm'r of Ins. Order No. 03-0110, Section X.B.4 (Renters Coverage Enhancements: Additional Coverages)
“4. The USAA policy provides flood coverage. (See Descriptions and Limitations, item 3.) The HO-BT does not provide this coverage.”
- Tex. Comm'r of Ins. Order No. 03-0110, Section VI.E (RP-5TX (Special Personal Property with Replacement Cost))
“E. RP-5TX (Special Personal Property with Replacement Cost). This form provides coverage on an all risk of physical loss basis for personal property on and away from the premises and it includes replacement cost loss settlement provisions.”
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