HO 00 02 Homeowners 2 - Broad Form

An Insurance Services Office (ISO) standard form. Homeowners 2 broad form policy covering the dwelling, other structures and personal property against named perils, with loss of use, additional coverages, and personal liability and medical payments to others.

1. 03 22 edition

   Mar 2022, compared with 05 11Latest edition

   • Home-sharing host activities are treated as business, and property used primarily for home-sharing is not covered.

     05 11

     Not in this edition

     03 22

     “Property used primarily for "home-sharing host activities"”

   • Property of home-sharing occupants is added to the property not covered.

     05 11

     Not in this edition

     03 22

     “A "home-sharing occupant"; (2) Any other person occupying the "residence premises"”

   • Virtual currency of any kind, such as digital or crypto currency, is not covered property.

     05 11

     Not in this edition

     03 22

     “Virtual currency of any kind, by whatever name known”

   • Cannabis is added to property not covered and to the controlled substance liability exclusion, whether or not it is considered a controlled substance.

     05 11

     Not in this edition

     03 22

     “Any "cannabis" regardless of whether such "cannabis" is”

Filed by one company only: 02 22 (Armed Forces Insurance Exchange, 34 filings), 02 19 (Westfield Group, 6 filings).

10 other edition dates appear in one or two filings each, often carrier-specific versions: 01 27, 03 26, 05 25, 03 25, 12 24, 03 23, 01 23, 09 22, 12 08, 02/01/19.

• Edition in use: in the past 12 months, 3 companies filed the 04 91 edition and 1 company filed 09 08.
• The newer 03 22 edition first appears May 19, 2022 and has been filed by 4 companies in 10 states so far.
• The 02 22 edition appears only in filings from Armed Forces Insurance Exchange (34 filings in 32 states since Jan 7, 2022), which suggests a carrier-specific version.
• The 02 19 edition appears only in filings from Westfield Group (6 filings in 6 states since Oct 23, 2023), which suggests a carrier-specific version.
• HO 00 03 (Homeowners 3 - Special Form) is filed alongside it most often, in 88 of the same filings (92%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• HO 00 03Homeowners 3 - Special Form88 filings
• HO 00 06Unit-Owners 6 - Broad Form76 filings
• HO 00 05Homeowners 5 - Comprehensive Form68 filings
• HO 04 10Additional Interests - Residence Premises67 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits67 filings
• HO 24 71Designated Business Pursuits Liability Coverage66 filings
• HO 04 35Supplemental Loss Assessment Coverage65 filings
• HO 04 40Structures Rented to Others - Residence Premises65 filings
• HO 04 65Coverage C Increased Special Limits of Liability65 filings
• HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement65 filings