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... of the changes do not affect coverage, but clarify policy wording. Those include the definition of "insured", the deductible provision and the "perils insured against" wording. In addition, some recent court decisions influenced changes in the areas of Collapse Coverage and Water Damage. These policy provisions have added wording to communicate the intent of the coverage more clearly and to eliminate any ambiguity. Here are some other changes: Changes that Reduce Coverage • &# 160Personal Property Located in Self-storage Facilities There's a 10% limit for personal ... :58 PM by CompleteMarkets Editor , Mary LaPorte This content has not been rated yet. THE 2011 ISO HOMEOWNERS: NEW AND IMPROVED Mary LaPorte The ISO updates to the HO policy took effect on May 1, 2011. The updates in the Homeowner coverage forms and related endorsements reflect ISO's responsiveness to the changing needs of policyholders. These clarifications avoid ambiguity. The policy enhancements outweigh the minor reductions in coverage, and provide agents with a stronger contract to address the customer's exposures more effectively Many of the changes do not affect coverage, ... the time of a loss. A $250 sublimit now applies for antennas, tapes, wires, records, disks, or other media that are in or upon a motor vehicle. The previous form provided a separate $1 ,500 sublimit for electronic apparatus and accessories used primarily for business while away from the residence premises and not in or upon a motor vehicle. ISO has removed this paragraph and increased the previous $500 off premises business personal property limit to $1 ,500. • &# 160Vermin The previous policy ...