One of the major differences between the ISO HO2000 and the HO1991 Homeowners programs is how business use of a detached structure affects coverage. Under the 1991 program, virtually ANY business use of a detached structure triggers an exclusion. The 2000 program employs a less restrictive exclusion, which is great news for SOME insureds who store business property in their detached garage. But how about the thousands that park company cars in those garages?
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