HO 00 03 Homeowners 3 Special Form

An Insurance Services Office (ISO) standard form. Homeowners policy that covers the dwelling and other structures against open perils, personal property against named perils, and loss of use, plus personal liability and medical payments to others.

1. 03 22 edition

   Mar 2022, compared with 05 11Latest edition

   • Home-sharing host activities and leasing the mineral rights of an insured location are now treated as a business.

     05 11

     Not in this edition

     03 22

     “The leasing of the mineral rights of an "insured location"”

   • The amount of compensation an insured can receive from other activities before they count as a business rises from $2,000 to $5,000 for the prior 12 months.

     05 11

     “more than $2,000 in total compensation”

     03 22

     “$5,000 in total compensation”

   • Cannabis is excluded from personal property and from the trees, shrubs and plants coverage, and liability for its use, sale or possession is excluded.

     05 11

     Not in this edition

     03 22

     “"Cannabis" whether or not grown for "business" purposes”

   • Virtual currency, including digital and crypto currency, is now listed as property not covered.

     05 11

     Not in this edition

     03 22

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

Filed by one company only: 02 22 (Armed Forces Insurance Exchange, 32 filings), 02 19 (Westfield Group, 6 filings).

9 other edition dates appear in one or two filings each, often carrier-specific versions: 03 26, 05 25, 03 25, 12 24, 06 23, 03 23, 01 23, 09 22, 02/01/19.

Where filings record what this form replaced, they name other forms 21354, F-373, FORM 3, H-430, HO3 POLICY. Only some filings record replacements.

• Edition in use: in the past 12 months, 6 companies filed the 03 22 edition and 6 companies filed 05 11.
• The newer 01 27 edition first appears Sep 9, 2026 and has been filed by 3 companies in 3 states so far.
• The 02 22 edition appears only in filings from Armed Forces Insurance Exchange (32 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 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 134 of the same filings (74%).

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.

• Allstate Insurance GroupFiles its own version: HO 3000-VA Homeowners 3 Special Form (1 state)

• HO 04 10Additional Interests - Residence Premises134 filings
• HO 04 41Additional Insured - Residence Premises130 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits123 filings
• HO 04 40Structures Rented to Others - Residence Premises122 filings
• HO 04 77Ordinance or Law Increased Amount of Coverage118 filings
• HO 04 35Supplemental Loss Assessment Coverage114 filings
• HO 04 90Personal Property Replacement Cost Loss Settlement110 filings
• HO 00 06Unit-Owners 6 - Broad Form107 filings
• HO 04 16Premises Alarm, Water Leak Detection or Fire Protection System98 filings
• HO 24 71Designated Business Pursuits Liability Coverage91 filings