HO 00 05 Homeowners 5 - Comprehensive Form

An Insurance Services Office (ISO) standard form. Homeowners coverage form that insures the dwelling, other structures and personal property against direct physical loss unless excluded, plus loss of use, and provides personal liability and medical payments to others coverage.

1. 03 22 edition

   Mar 2022, compared with 05 11Latest edition

   • Home-sharing host activities are defined and treated as business, and property used for them or belonging to home-sharing occupants is not covered.

     05 11

     Not in this edition

     03 22

     “"Home-sharing host activities" means”

   • The compensation an insured can receive from an activity before it counts as a business rises from $2,000 to $5,000.

     05 11

     “receives more than $2,000 in total compensation”

     03 22

     “$5,000 in total compensation”

   • Cannabis is defined, excluded from covered personal property, and added to the controlled substance liability exclusion.

     05 11

     Not in this edition

     03 22

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

   • Several special limits are raised, such as theft of jewelry from $1,500 to $2,000.

     05 11

     “$1,500 for loss by theft, misplacing”

     03 22

     “$2,000 for loss by theft, misplacing”

2. 05 11 edition

   May 2011, compared with 10 00

   • The collapse additional coverage now applies only to abrupt collapse.

     10 00

     Not in this edition

     05 11

     “applies only to an abrupt collapse”

   • A new limit applies to personal property in a self-storage facility: 10% of Coverage C or $1,000, whichever is greater.

     10 00

     Not in this edition

     05 11

     “located in a self-storage facility is 10% of the limit of liability for Coverage C”

   • The special limit for business property away from the residence premises rises from $500 to $1,500.

     10 00

     “$500 on property, away from the "residence premises"”

     05 11

     “$1,500 on property, away from the "residence premises"”

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

6 other edition dates appear in one or two filings each, often carrier-specific versions: 01 27, 05 25, 12 24, 06 23, 09 08, 02/01/19.

Where filings record what this form replaced, they name other forms FORM 5, HO 0015, HO5 POLICY. Only some filings record replacements.

• Edition in use: in the past 12 months, 3 companies filed the 03 22 edition and 3 companies filed 05 11.
• The newer 03 22 edition first appears May 19, 2022 and has been filed by 10 companies in 13 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 00 03 (Homeowners 3 - Special Form) is filed alongside it most often, in 80 of the same filings (92%).

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

• HO 00 03Homeowners 3 - Special Form80 filings
• HO 00 06Unit-Owners 6 - Broad Form74 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits74 filings
• HO 04 66Coverage C Increased Special Limits of Liability73 filings
• HO 04 40Structures Rented to Others - Residence Premises72 filings
• HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement72 filings
• HO 04 10Additional Interests - Residence Premises71 filings
• HO 04 41Additional Insured - Residence Premises70 filings
• HO 04 65Coverage C Increased Special Limits of Liability70 filings
• HO 04 35Supplemental Loss Assessment Coverage69 filings