HO 04 42 Permitted Incidental Occupancies – Residence Premises

An Insurance Services Office (ISO) standard form. It covers a business you describe that is conducted at the residence premises, raising the business property special limit, covering a described other structure used for it at its own limit, and allowing liability coverage for the business use.

1. 03 22 edition

   Mar 2022, compared with 10 00Latest edition

   • The special limit for business property on the residence premises, other than the described business's property, rises from $2,500 to $3,000.

     10 00

     “$2,500 on property, on the "residence premises"”

     03 22

     “$3,000 on property, on the "residence premises"”

2. 10 00 edition

   Oct 2000, compared with 04 91

   • The business property special limit now applies to property used primarily for business, instead of property used at any time or in any manner for business.

     04 91

     “used at any time or in any manner for any "business" purpose”

     10 00

     “used primarily for "business" purposes”

   • The exclusion for bodily injury to a pupil from corporal punishment is removed.

     04 91

     “Any pupil arising out of corporal punishment”

     10 00

     Removed

Filed by one company only: 12 19 (Westfield Group, 7 filings).

2 other edition dates appear in one or two filings each, often carrier-specific versions: 03 26, 12/01/19.

Where filings record what this form replaced, they name other forms F20007., ML-326. Only some filings record replacements.

• Edition in use: in the past 12 months, 4 companies filed the 03 22 edition and 3 companies filed 10 00.
• The 12 19 edition appears only in filings from Westfield Group (7 filings in 7 states since Oct 23, 2023), which suggests a carrier-specific version.
• HO 04 40 (Structures Rented to Others - Residence Premises) is filed alongside it most often, in 78 of the same filings (96%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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

• HO 04 40Structures Rented to Others - Residence Premises78 filings
• HO 04 41Additional Insured - Residence Premises78 filings
• HO 04 10Additional Interests - Residence Premises77 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits77 filings
• HO 00 03Homeowners 3 - Special Form76 filings
• HO 04 77Ordinance or Law Increased Amount of Coverage76 filings
• HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement76 filings
• HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families76 filings
• HO 24 71Designated Business Pursuits Liability Coverage76 filings
• HO 04 65Coverage C Increased Special Limits of Liability74 filings