HO 04 14 Special Computer Coverage

An Insurance Services Office (ISO) standard form. It covers an insured's computer equipment against direct physical loss under Coverage C, subject to listed exclusions such as freezing, mold, wear and tear and some theft and vandalism losses, without increasing the Coverage C limit.

1. 02 17 edition

   Feb 2017, compared with 05 11Latest edition

   • Theft and vandalism losses arising from home-sharing host activities are excluded unless the Broadened Home-sharing Host Activities Coverage Endorsement is attached.

     05 11

     Not in this edition

     02 17

     “If the Broadened Home-sharing Host Activities Coverage Endorsement is not made a part of this Policy”

2. 05 11 edition

   May 2011, compared with 10 00

   • A new exclusion removes coverage for loss caused by nesting or infestation of animals or their waste products or secretions.

     10 00

     Not in this edition

     05 11

     “Nesting or infestation, or discharge or release of waste products or secretions”

   • The insuring wording changes from risk of direct physical loss to direct physical loss.

     10 00

     “against risk of direct physical loss”

     05 11

     Removed

3 other edition dates appear in one or two filings each, often carrier-specific versions: 06 23, 01 17, 09 95.

Where filings record what this form replaced, they name other forms HD0259, ML170WM. Only some filings record replacements.

• Edition in use: in the past 12 months, 2 companies filed the 02 17 edition and 2 companies filed 05 11.
• The newer 02 17 edition first appears Jan 18, 2022 and has been filed by 14 companies in 19 states so far.
• HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 60 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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 04 10Additional Interests - Residence Premises60 filings
• HO 24 71Designated Business Pursuits Liability Coverage58 filings
• HO 00 03Homeowners 3 - Special Form57 filings
• HO 04 12Increased Limits on Business Property57 filings
• HO 04 35Supplemental Loss Assessment Coverage57 filings
• HO 04 50Increased Amount of Insurance for Personal Property at Other Residences57 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits56 filings
• HO 04 53Credit Card, Electronic Fund Transfer Card or Access Device, Forgery & Counterfeit Money Coverage - Increased Limit56 filings
• HO 04 65Coverage C Increased Special Limits of Liability56 filings
• HO 04 41Additional Insured - Residence Premises55 filings