HO 00 06 Homeowners 6 - Unit- Owners Form

An Insurance Services Office (ISO) standard form. Homeowners policy for condominium unit-owners that covers the unit's building items you must insure, your personal property 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 through an online platform are now treated as business, and property used mainly for home-sharing is not covered.

     05 11

     Not in this edition

     03 22

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

   • The form adds a cannabis definition and treats cannabis and other controlled substances as property not covered, with exceptions such as lawfully prescribed drugs and some hemp products.

     05 11

     Not in this edition

     03 22

     “"Cannabis" means”

   • Virtual currency, such as digital or crypto currency, is added to property not covered.

     05 11

     Not in this edition

     03 22

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

   • Several dollar amounts rise, including special limits such as theft of firearms ($2,500 to $3,000), loss assessment ($1,000 to $2,000) and the business income threshold for excepted activities ($2,000 to $5,000).

Filed by one company only: 02 22 (Armed Forces Insurance Exchange, 15 filings), 02 19 (Westfield Group, 6 filings).

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

Where filings record what this form replaced, they name other forms F-401, FORM 6, HO6 POLICY. Only some filings record replacements.

• Edition in use: in the past 12 months, 6 companies filed the 03 22 edition and 3 companies filed 05 11.
• The 02 22 edition appears only in filings from Armed Forces Insurance Exchange (15 filings in 15 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 107 of the same filings (81%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 Form107 filings
• HO 04 41Additional Insured - Residence Premises93 filings
• HO 04 10Additional Interests - Residence Premises91 filings
• HO 17 32Unit-Owners Coverage a Special Coverage91 filings
• HO 04 40Structures Rented to Others - Residence Premises86 filings
• HO 04 90Personal Property Replacement Cost Loss Settlement86 filings
• HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement85 filings
• HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families85 filings
• HO 24 71Designated Business Pursuits Liability Coverage85 filings
• HO 17 33Unit-Owners Rental to Others84 filings