HO 04 61 Scheduled Personal Property

An Insurance Services Office (ISO) standard form. It schedules classes of personal property such as jewelry, furs, cameras, musical instruments, silverware, golf equipment, fine arts, stamps and coins, covering them worldwide against direct physical loss with stated amounts and newly acquired property provisions.

1. 05 11 edition

   May 2011, compared with 04 91

   • Fine arts are now covered worldwide instead of only in the United States and Canada.

     04 91

     “However, Fine Arts are covered only within the United States and Canada.”

     05 11

     Removed

   • You may buy back, at an agreed price, scheduled articles or property surrendered to the insurer after a loss settlement.

     04 91

     Not in this edition

     05 11

     “We will, at your request, sell back to you, at a price you and we agree upon”

   • The actual cash value limit on other property does not apply if Coverage C in the attached policy has replacement cost loss settlement.

     04 91

     Not in this edition

     05 11

     “THE ACTUAL CASH VALUE CONDITION IN PARAGRAPH (1)(a) ABOVE DOES NOT APPLY IF”

Filed by one company only: 12 08 (Westfield Group, 6 filings).

6 other edition dates appear in one or two filings each, often carrier-specific versions: 07 25, 05 25, 09 17, 08 04, 10 00, 12/01/08.

Where filings record what this form replaced, they name earlier edition 10 00 and other forms HECA01A-C, HEXX30. Only some filings record replacements.

• Edition in use: in the past 12 months, 4 companies filed the 03 22 edition and 4 companies filed 05 11.
• The newer 03 22 edition first appears May 19, 2022 and has been filed by 8 companies in 11 states so far.
• The 12 08 edition appears only in filings from Westfield Group (6 filings in 6 states since Oct 23, 2023), which suggests a carrier-specific version.
• HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 72 of the same filings (89%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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.

• Farmers Insurance GroupFiles its own version: HF80VA Scheduled Personal Property (1 state)

• HO 04 10Additional Interests - Residence Premises72 filings
• HO 00 03Homeowners 3 - Special Form67 filings
• HO 04 41Additional Insured - Residence Premises64 filings
• HO 04 35Supplemental Loss Assessment Coverage63 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits63 filings
• HO 04 65Coverage C Increased Special Limits of Liability62 filings
• HO 04 77Ordinance or Law Increased Amount of Coverage61 filings
• HO 04 12Increased Limits on Business Property60 filings
• HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement60 filings
• HO 24 71Designated Business Pursuits Liability Coverage60 filings