Coverage description
An Insurance Services Office (ISO) standard form. It adds Unit-owners Building Items coverage for a unit owner, up to the scheduled limit: alterations, appliances, fixtures and improvements in the unit, real property pertaining only to the unit, and property the association agreement makes the owner's insurance responsibility.
Updated
What the form says
Key clauses from the latest edition, 07 14 (Jul 2014), quoted as filed.
“The alterations, appliances, fixtures and improvements which are part of the building contained within your unit”
DP 17 66 07 14
What building items are covered. Covered against the policy's perils up to the scheduled limit, together with items of real property that pertain only to the unit.
“Property which is your insurance responsibility under a corporation or association of property owners agreement”
DP 17 66 07 14
Property the association agreement assigns to the owner. Whatever the association's agreement makes the owner responsible for insuring is covered, along with structures the insured owns alone on the premises.
“Excess over the amount due under such other insurance or service agreement”
DP 17 66 07 14
How it works with the association's insurance. When the association's insurance or service agreement covers the same property, this coverage pays only above what that insurance owes, and pays first for any amount left unpaid because of the association's deductible.
“If the damage is repaired or replaced within a reasonable time, at the actual cost to repair or replace”
DP 17 66 07 14
How losses are settled. Repaired or replaced items are paid at actual cost; if they are not repaired or replaced within a reasonable time, the payment is actual cash value.
How the form has changed
3 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 coverage was simply excess over the association's insurance. It now also applies over a service agreement, shares loss with other fire insurance, and pays first for any amount the association's insurance does not pay because of its deductible.
07 88
“excess over the amount recoverable under such other insurance”
07 14
“Primary with respect to any amount of the loss covered by this Policy and not due under such other insurance”
Structures used for commercial, manufacturing or farming purposes stay excluded, but a structure that only holds such property owned by the insured or a tenant, without gaseous or liquid fuel other than in a vehicle's tank, is now covered.
07 88
“commercial, manufacturing or farming purposes; or”
07 14
“However, we do cover a structure that contains commercial, manufacturing or farming property solely owned by you”
Grave markers, including mausoleums, are added to the structures not covered.
07 88
Not in this edition
07 14
“Grave markers, including mausoleums.”
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 | 7 | 6 | 6 | Jan 2022 to Sep 2026 |
| 07 88Jul 1988 | 5 | 6 | 4 | Nov 2022 to Dec 2025 |
3 other edition dates appear in one or two filings each, often carrier-specific versions: 08 13, 12 10, 12 02.
Where filings record what this form replaced, they name other forms DP 00 66 (09-82), DWG-E278. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 3 companies filed the 07 14 edition and 1 company filed 07 88.
- DP 04 41 (Additional Insured) is filed alongside it most often, in 10 of the same filings (63%).
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 17 66, 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 |
| United Services Automobile Assn Group4 group companies filed it, led by Garrison Property and Casualty Insurance Company and USAA General Indemnity Company | 2 | 2 | 08 13 | Sep 22, 2023 |
| Arbella Insurance GroupArbella Mutual Insurance Company | 1 | 1 | 07 88 | Dec 4, 2025 |
| Bear River Mutual Insurance Company | 1 | 1 | 07 14 | Feb 19, 2026 |
| Encova Mutual Insurance GroupMICO | 1 | 1 | 07 14 | Jan 19, 2022 |
| Frankenmuth GroupFrankenmuth Insurance Company | 1 | 1 | 12 10 | Aug 9, 2022 |
| GranWest Insurance GroupGranwest Insurance Company | 1 | 1 | 12 02 | Jun 5, 2024 |
| Hastings Insurance Company | 1 | 1 | 07 88 | Mar 13, 2025 |
| Louisiana Citizens Property Insurance Corporation | 1 | 1 | 07 14 | Sep 10, 2026 |
How the largest insurers handle DP 17 66
Groups among the largest dwelling property insurers that filed DP 17 66 or their own version in the past five years.
- United Services Automobile Assn GroupUses DP 17 66 in 1 filing
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States
Number of filings that include DP 17 66 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 Insured10 filings
- DP 00 01Dwelling Property 1 - Basic Form9 filings
- DP 00 02Dwelling Property 2 - Broad Form9 filings
- DP 00 03Dwelling Property 3 - Special Form9 filings
- DP 04 20Permitted Incidental Occupancies9 filings
- DP 04 63Loss Assessment Property Coverage9 filings
- DP 04 71Ordinance or Law Coverage Increased Amount of Coverage9 filings
- DP 11 43Dwelling Under Construction9 filings
- DP 04 14Additional Living Expense8 filings
- DP 04 17Trees, Shrubs and Other Plants8 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 | 07 14 | LCPI-135083680 |
| Feb 19, 2026 | Bear River Mutual Insurance Company | UT | 07 14 | BRMI-134847112 |
| Dec 4, 2025 | Arbella Mutual Insurance Company | MA | 07 88 | ARMU-134655032 |
| Nov 12, 2025 | Oregon Fair Plan Association | OR | 07 14 | 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 | 07 14 | LTTZ-134249806 |
| Aug 28, 2024 | Livingston Mutual Insurance Company | NY | 07 14 | LTTZ-134220237 |
| Jun 5, 2024 | Granwest Insurance Company | WY | 12 02 | GRIA-134112281 |
| Oct 6, 2023 | Lititz Mutual Insurance Company | SC | 07 14 | LTTZ-133843921 |
| Sep 22, 2023 | Garrison Property and Casualty Insurance Companyand 1 more | MI | 08 13 | USAA-133819641 |
| Nov 15, 2022 | Montgomery Mutual Insurance Company | MD | 07 88 | LBPM-133452443 |
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 04 69 Earthquake
- DP 04 20 Permitted Incidental Occupancies
- DP 04 14 Additional Living Expense
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