Coverage description
An Insurance Services Office (ISO) standard form. Named perils dwelling property form that adds falling objects, weight of ice or snow, water discharge, freezing and similar perils to the basic form's list, includes fair rental value and additional living expense, and pays building losses at replacement cost when insured to 80%.
Updated
What the form says
Key clauses from the latest edition, 07 14 (Jul 2014), quoted as filed.
“We insure for direct physical loss to the property covered caused by a peril listed below unless the loss is excluded in the General Exclusions.”
DP 00 02 07 14
How the broad form decides what is covered. The dwelling, other structures and personal property are all insured on a named perils basis: a loss is covered only if one of the 16 listed perils caused it. The special form DP 00 03 instead insures the buildings against any loss not excluded.
“plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance”
DP 00 02 07 14
Which water damage is covered. Accidental discharge or overflow of water or steam from these systems or a household appliance is a covered peril, which the basic form does not list. The peril excludes constant or repeated seepage over weeks, months or years and loss after more than 60 days of vacancy.
“Buildings under Coverage A or B at replacement cost without deduction for depreciation”
DP 00 02 07 14
How buildings are valued after a loss. A building insured to at least 80% of its full replacement cost is paid without deduction for depreciation, up to the limit. Below 80%, the payment is the greater of actual cash value or a proportional share of replacement cost; personal property stays at actual cash value.
“You may use up to 20% of the Coverage A limit of liability for loss of both fair rental value”
DP 00 02 07 14
How much is available for lost rent and living costs. Fair rental value and additional living expense together can draw up to 20% of the dwelling limit, and the form states this is additional insurance rather than a reduction of Coverage A.
“if the dwelling has been vacant for more than 60 consecutive days immediately before the loss”
DP 00 02 07 14
How vacancy limits cover. Vandalism, damage by burglars, water discharge and glass breakage are not covered once the dwelling has been vacant for more than 60 consecutive days. A dwelling under construction is not treated as vacant.
How the form has changed
4 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
07 14 edition
Jul 2014, compared with 07 88Latest editionThe additional amount available for fair rental value and additional living expense together rises from 10% to 20% of the Coverage A limit; it remains additional insurance.
07 88
“You may use up to 10% of the Coverage A limit of liability for loss of both fair rental value”
07 14
“You may use up to 20% of the Coverage A limit of liability for loss of both fair rental value”
The vacancy limits on glass breakage, vandalism, damage by burglars and water discharge start after 60 consecutive days instead of 30.
07 88
“vacant for more than 30 consecutive days”
07 14
“vacant for more than 60 consecutive days”
A new Ordinance Or Law other coverage pays the increased cost of repairing, rebuilding or demolishing damaged buildings to meet an ordinance or law, up to 10% of the Coverage A limit for an owner.
07 88
Not in this edition
07 14
“you may use up to 10% of the limit of liability that applies to Coverage A”
The smoke peril now includes puffback of smoke, soot, fumes or vapors from a boiler, furnace or related equipment.
07 88
Not in this edition
07 14
“including the emission or puffback of smoke”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 07 14Jul 2014Latest | 5 | 4 | 4 | Mar 2022 to Sep 2024 |
| 07 88Jul 1988 | 6 | 7 | 5 | Aug 2022 to Aug 2025 |
4 other edition dates appear in one or two filings each, often carrier-specific versions: 07 25, 03 25, 12 02, 01 77.
Where filings record what this form replaced, they name other forms DP02. Only some filings record replacements.
What the filings show
- 6 of the 16 filings (38%) list the 07 88 edition, from 7 companies.
- The newer 07 14 edition first appears Mar 30, 2022 and has been filed by 4 companies in 4 states so far.
- DP 00 01 (Dwelling Property 1 - Basic Form) is filed alongside it most often, in 15 of the same filings (94%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Nov 2021 to Aug 2025, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.
Carriers filing this form
The 10 carrier groups with the most filings that include DP 00 02, out of 11 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Liberty Mutual Group4 group companies filed it, led by Liberty Mutual Fire Insurance Company and Montgomery Mutual Insurance Company | 3 | 2 | 07 88 | Aug 26, 2025 |
| Lititz Mutual Group2 group companies filed it, led by Livingston Mutual Insurance Company and Lititz Mutual Insurance Company | 3 | 2 | 07 14 | Sep 16, 2024 |
| Alabama Insurance Underwriting Association | 2 | 1 | 03 25 | Feb 12, 2025 |
| American Family Insurance GroupHomesite Insurance Company | 1 | 1 | 07 14 | Mar 30, 2022 |
| Armed Forces Insurance Exchange | 1 | 1 | 12 02 | Aug 4, 2023 |
| Frankenmuth GroupFrankenmuth Insurance Company | 1 | 1 | 07 88 | Aug 9, 2022 |
| Hastings Insurance Company | 1 | 1 | 07 88 | Mar 13, 2025 |
| Insurance Services Office, Inc.Advisory Organization | 1 | 1 | 07 14 | Sep 6, 2022 |
| Philadelphia Contributionship GroupGermantown Insurance Company | 1 | 1 | 07 88 | Aug 9, 2023 |
| United Services Automobile Assn Group4 group companies filed it, led by Garrison Property and Casualty Insurance Company and USAA Casualty Insurance Company | 1 | 1 | 01 77 | Jul 29, 2022 |
How the largest insurers handle DP 00 02
Groups among the largest dwelling property insurers that filed DP 00 02 or their own version in the past five years.
- American Family Insurance GroupUses DP 00 02 in 1 filing
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States
Number of filings that include DP 00 02 in each state, Nov 2021 to Aug 2025. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- DP 00 01Dwelling Property 1 - Basic Form15 filings
- DP 00 03Dwelling Property 3 - Special Form13 filings
- DP 04 19Windstorm or Hail - Radio and Television Antennas, Awnings and Signs9 filings
- DP 04 69Earthquake9 filings
- DP 04 70Premises Alarm or Fire Protection System9 filings
- DP 04 71Ordinance or Law Coverage Increased Amount of Coverage9 filings
- DP 04 18Windstorm or Hail Broad Form and Special Form8 filings
- DP 04 31Improvements, Alterations and Additions8 filings
- DP 04 99Sinkhole Collapse8 filings
- DP 11 43Dwelling Under Construction8 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Aug 26, 2025 | Liberty Mutual Fire Insurance Company | WY | 07 88 | LBPM-134638833 |
| Mar 13, 2025 | Hastings Insurance Company | IL | 07 88 | HAST-134096643 |
| Feb 12, 2025 | Alabama Insurance Underwriting Association | AL | 03 25 | SPRO-G134416732 |
| Dec 11, 2024 | Alabama Insurance Underwriting Association | AL | 03 25 | SPRO-G134344899 |
| Sep 16, 2024 | Livingston Mutual Insurance Company | NY | 07 14 | LTTZ-134249806 |
| Aug 28, 2024 | Livingston Mutual Insurance Company | NY | 07 14 | LTTZ-134220237 |
| Aug 8, 2024 | Washington Surveying and Rating Bureau | WA | 07 25 | WSRB-134206114 |
| Oct 6, 2023 | Lititz Mutual Insurance Company | SC | 07 14 | LTTZ-133843921 |
| Aug 9, 2023 | Germantown Insurance Company | VA | 07 88 | PHCT-133774704 |
| Aug 4, 2023 | Armed Forces Insurance Exchange | MA | 12 02 | ARMD-133755125 |
| Nov 15, 2022 | Montgomery Mutual Insurance Company | MD | 07 88 | LBPM-133452443 |
| Nov 15, 2022 | The Ohio Casualty Insurance Companyand 1 more | MD | 07 88 | LBPM-133452743 |
Most filed ISO DP forms
- DP 04 63 Loss Assessment Property Coverage
- DP 00 03 Dwelling Property 3 - Special Form
- DP 00 01 Basic Form
- DP 04 41 Additional Insured
- DP 04 70 Premises Alarm or Fire Protection System
- DP 17 66 Unit-Owners Coverage
- DP 04 69 Earthquake
- DP 04 20 Permitted Incidental Occupancies
- DP 04 14 Additional Living Expense
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