Coverage description
An Insurance Services Office (ISO) standard form. It extends Coverage C to personal property that pertains to the use of the dwelling for an occupancy described in its schedule, for loss by an insured peril on the described location, within the limit shown for this coverage.
Updated
What the form says
Key clauses from the latest edition, 12 02 (Dec 2002), quoted as filed.
“personal property pertaining to the use of the dwelling for the occupancy described in the Schedule”
DP 04 20 12 02
Which property is added. The dwelling forms cover personal property usual to the occupancy as a dwelling. This adds property used for the other occupancy written in the schedule.
“for loss caused by a Peril Insured Against on the Described Location”
DP 04 20 12 02
Where and against what. The added property is covered only at the described location and only for the perils the policy already insures against.
“We will not be liable in any one loss for more than the limit of liability shown in this policy for this coverage.”
DP 04 20 12 02
How much is paid. Payment for any one loss is capped at the limit the policy shows for this coverage.
How the form has changed
The 12 02 edition moves the occupancy description into a schedule and drops the "additional premium" wording; the coverage is unchanged from 07 88.
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 12 02Dec 2002Latest | 8 | 7 | 5 | Sep 2022 to Sep 2026 |
| 07 88Jul 1988 | 5 | 6 | 5 | Sep 2022 to Dec 2025 |
Where filings record what this form replaced, they name other forms DWG-E20, N/A. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 3 companies filed the 12 02 edition and 1 company filed 07 88.
- DP 04 41 (Additional Insured) is filed alongside it most often, in 11 of the same filings (79%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Nov 2021 to Sep 2026, excluding withdrawn and rejected filings.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 04 20, out of 11 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Lititz Mutual Group2 group companies filed it, led by Livingston Mutual Insurance Company and Lititz Mutual Insurance Company | 3 | 2 | 12 02 | Sep 16, 2024 |
| Liberty Mutual Group3 group companies filed it, led by Liberty Mutual Fire Insurance Company and The Ohio Casualty Insurance Company | 2 | 2 | 07 88 | Aug 26, 2025 |
| Arbella Insurance GroupArbella Mutual Insurance Company | 1 | 1 | 07 88 | Dec 4, 2025 |
| Cabrillo Holding GroupUS Coastal Property and Casualty Insurance Company | 1 | 1 | Not recorded | Apr 21, 2022 |
| Hastings Insurance Company | 1 | 1 | 07 88 | Mar 13, 2025 |
| Insurance Services Office, Inc.Advisory Organization | 1 | 1 | 12 02 | Sep 6, 2022 |
| Iron Family Holdings GroupInterboro Insurance Company | 1 | 1 | 12 02 | Mar 19, 2026 |
| Louisiana Citizens Property Insurance Corporation | 1 | 1 | 12 02 | Sep 10, 2026 |
| Oregon Fair Plan Association | 1 | 1 | 12 02 | Nov 12, 2025 |
| Pioneer State Mutual Insurance Company | 1 | 1 | 07 88 | Sep 29, 2022 |
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States
Number of filings that include DP 04 20 in each state, Nov 2021 to Sep 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- DP 04 41Additional Insured11 filings
- DP 04 19Windstorm or Hail - Radio and Television Antennas, Awnings and Signs9 filings
- DP 04 70Premises Alarm or Fire Protection System9 filings
- DP 11 43Dwelling Under Construction9 filings
- DP 17 66Unit-Owners Coverage9 filings
- DP 00 03Dwelling Property 3 - Special Form8 filings
- DP 04 17Trees, Shrubs and Other Plants8 filings
- DP 04 31Improvements, Alterations and Additions8 filings
- DP 04 69Earthquake8 filings
- DP 04 71Ordinance or Law Coverage Increased Amount of Coverage8 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Sep 10, 2026 | Louisiana Citizens Property Insurance Corporation | LA | 12 02 | LCPI-135083680 |
| Mar 19, 2026 | Interboro Insurance Company | SC | 12 02 | SAGE-134879761 |
| Dec 4, 2025 | Arbella Mutual Insurance Company | MA | 07 88 | ARMU-134655032 |
| Nov 12, 2025 | Oregon Fair Plan Association | OR | 12 02 | APST-134730600 |
| Aug 26, 2025 | Liberty Mutual Fire Insurance Company | WY | 07 88 | LBPM-134638833 |
| Mar 13, 2025 | Hastings Insurance Company | IL | 07 88 | HAST-134096643 |
| Sep 16, 2024 | Livingston Mutual Insurance Company | NY | 12 02 | LTTZ-134249806 |
| Aug 28, 2024 | Livingston Mutual Insurance Company | NY | 12 02 | LTTZ-134220237 |
| Aug 2, 2024 | Virginia Farm Bureau Mutual Insurance Company | VA | 12 02 | VRFB-134201206 |
| Oct 6, 2023 | Lititz Mutual Insurance Company | SC | 12 02 | LTTZ-133843921 |
| Nov 15, 2022 | The Ohio Casualty Insurance Companyand 1 more | MD | 07 88 | LBPM-133452743 |
| Sep 29, 2022 | Pioneer State Mutual Insurance Company | MI | 07 88 | PSMI-133412579 |
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 00 02 Broad Form
- DP 17 66 Unit-Owners Coverage
- DP 04 69 Earthquake
- DP 04 14 Additional Living Expense
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