HO 00 04 Homeowners 4 - Contents Broad Form

An Insurance Services Office (ISO) standard form. Homeowners contents broad form for tenants: it covers personal property against named perils, plus additional living expense, personal liability and medical payments to others.

1. 03 22 edition

   Mar 2022, compared with 05 11Latest edition

   • Property used primarily for home-sharing host activities is not covered, and home-sharing activities are addressed throughout the form.

     05 11

     Not in this edition

     03 22

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

   • Virtual currency is added to property not covered.

     05 11

     Not in this edition

     03 22

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

   • Controlled substances and cannabis are added to property not covered.

     05 11

     Not in this edition

     03 22

     “Controlled Substances, other than "cannabis", as defined by”

Filed by one company only: 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 24, 03 23, 01 23, 09 22, 02/01/19.

Where filings record what this form replaced, they name other forms F-374, FORM 4, HO4 POLICY. Only some filings record replacements.

• Edition in use: in the past 12 months, 4 companies filed the 03 22 edition and 1 company filed 05 11.
• 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 78 of the same filings (78%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 4000-VA Homeowners 4 Contents Broad Form (1 state)

• HO 00 03Homeowners 3 - Special Form78 filings
• HO 00 06Homeowners 6 - Unit- Owners Form76 filings
• HO 04 10Additional Interests - Residence Premises58 filings
• HO 04 41Additional Insured - Residence Premises56 filings
• HO 04 92Specific Structures Away From the Residence Premises56 filings
• HO 04 98Refrigerated Property Coverage56 filings
• HO 04 40Structures Rented to Others - Residence Premises55 filings
• HO 04 90Personal Property Replacement Cost Loss Settlement55 filings
• HO 24 71Designated Business Pursuits Liability Coverage55 filings
• HO 24 70Additional Residence Rented To Others 1, 2, 3 Or 4 Families54 filings