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Advisory organization

ISO homeowners forms

Active forms
263
Companies filing
202
States
47
Latest filing
Oct 27, 2026
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Overview

ISO's homeowners program insures owner-occupied homes, condominium units and renters' belongings. HO 00 03, the special form most insurers file, covers the house against any direct physical loss that is not excluded and personal property against named perils. HO 00 05 extends that open-perils coverage to personal property, while HO 00 02 covers both the house and belongings against named perils only. Renters use HO 00 04 and condominium owners use HO 00 06, which also covers the unit's building items; HO 00 08 is for older homes, paying to repair with common materials rather than replace. Every form includes personal liability and medical payments to others.

Coverage forms

7 forms
FormTitleLatest editionCarrier groupsStatesLast filed
HO 00 03Homeowners 3 Special Form03 224945Oct 16, 2026
HO 00 06Homeowners 6 - Unit- Owners Form03 223444Oct 16, 2026
HO 00 04Homeowners 4 - Contents Broad Form03 223132Oct 16, 2026
HO 00 02Homeowners 2 - Broad Form03 222544Oct 2, 2026
HO 00 05Homeowners 5 - Comprehensive Form03 222143Sep 9, 2026

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Declarations and schedules

1 form
FormTitleLatest editionCarrier groupsStatesLast filed
HO DS 01Homeowners Policy Declarations06 2144Apr 7, 2026

Endorsements

145 forms
FormTitleLatest editionCarrier groupsStatesLast filed
HO 04 10Additional Interests - Residence Premises03 224147Oct 14, 2026
HO 04 48Other Structures on the Residence Premises - Increased Limits03 223547Oct 14, 2026
HO 04 41Additional Insured - Residence Premises03 223447Oct 5, 2026
HO 04 35Supplemental Loss Assessment Coverage03 223347Oct 14, 2026
HO 04 98Refrigerated Property Coverage03 223344Oct 14, 2026
HO 04 90Personal Property Replacement Cost Loss Settlement03 223242Oct 14, 2026
HO 04 77Ordinance or Law Increased Amount of Coverage03 223145Oct 14, 2026
HO 04 16Premises Alarm Water Leak Detection or Fire Protection System03 223044Oct 14, 2026
HO 04 54Earthquake03 222943Oct 5, 2026
HO 04 65Coverage C Increased Special Limits of Liability03 222944Oct 14, 2026
HO 04 12Increased Limits on Business Property03 222846Sep 14, 2026
HO 04 40Structures Rented to Others - Residence Premises03 222846Oct 14, 2026
HO 04 50Increased Amount Of Insurance For Personal Property At Other Residences03 222844Aug 27, 2026
HO 17 32Unit-Owners Coverage A Special Coverage03 222844Aug 27, 2026
HO 17 33Unit-Owners Rental to Others03 222743Jul 2, 2026
HO 24 70Additional Residence Rented to Others03 222745Aug 27, 2026
HO 04 53Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money Coverage03 222644Aug 27, 2026
HO 04 61Scheduled Personal Property03 222638Oct 5, 2026
HO 04 92Specific Structures Away From The Residence Premises – Actual Cash Value Loss Settlement03 222645Aug 27, 2026
HO 04 93Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing03 222637Aug 27, 2026
HO 24 71Business Pursuits03 222645Sep 14, 2026
HO 03 12Windstorm or Hail Percentage Deductible03 222441Aug 27, 2026
HO 24 72Incidental Farming Personal Liability03 222444Aug 27, 2026
HO 24 82Personal Injury Coverage03 222441Oct 14, 2026
HO 04 42Permitted Incidental Occupancies – Residence Premises03 222343Aug 27, 2026
HO 04 58Additional Insured – Household Resident03 222343Aug 27, 2026
HO 04 66Coverage C Increased Special Limits Of Liability03 222343Sep 14, 2026
HO 04 99Sinkhole Collapse03 222344Aug 27, 2026
HO 17 31Unit-Owners Coverage C Special Coverage03 222341Aug 27, 2026
HO 24 75Supplemental Watercraft Liability Coverage03 222341Oct 12, 2026
HO 04 36Loss Assessment Coverage For Earthquake03 222137May 29, 2026
HO 04 51Building Additions And Alterations – Increased Limit03 222128May 29, 2026
HO 04 91Coverage B - Other Structures Away From The Residence Premises03 222141Aug 27, 2026
HO 04 95Limited Water Back-Up And Sump Discharge Or Overflow Coverage03 222040Oct 5, 2026
HO 04 49Building Additions And Alterations – Other Residence03 221943Aug 27, 2026
HO 24 13Incidental Low Power Recreational Motor Vehicle Liability Coverage Endorsement03 221944Aug 27, 2026
HO 04 59Assisted Living Care Coverage03 221842Aug 27, 2026
HO 06 15Trust Coverage03 221734Sep 14, 2026
HO 04 20Specified Additional Amount of Insurance for Coverage A - Dwelling03 221637Oct 14, 2026
HO 04 96No Home Day Care Coverage10 001634May 29, 2026
HO 17 48Residence Premises Definition Endorsement - Unit-Owners03 221531Oct 14, 2026
HO 04 55Identity Fraud Expense Coverage03 221440Oct 5, 2026
HO 06 14Increased Amount Of Insurance For Personal Property Located In A Self-Storage Facility03 221342Aug 27, 2026
HO 04 52Livestock Collision Coverage03 221242Aug 27, 2026
HO 04 81Actual Cash Value Loss Settlement03 221235Aug 26, 2025
HO 04 97Home Day Care Coverage03 221139May 29, 2026
HO 04 14Special Computer CoverageWithdrawn by ISO02 172138Sep 14, 2026

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Exclusions

18 forms
FormTitleLatest editionCarrier groupsStatesLast filed
HO 24 77Canine Liability Exclusion03 221340Jul 2, 2026
HO 06 21Specified Other Structure(s) Exclusion03 221242Aug 27, 2026

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State amendatory endorsements

101 forms
FormTitleLatest editionCarrier groupsStatesLast filed
HO 23 88Mine Subsidence Residence and Other Structures - Illinois01 27152Oct 7, 2026

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Notices and disclosures

1 form
FormTitleLatest editionCarrier groupsStatesLast filed
HO 07 49Designated Additional Person - Notice of Cancellation or Non- Renewal03 2431Aug 27, 2026

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