HO 04 66 Coverage C Increased Special Limits Of Liability

An Insurance Services Office (ISO) standard form. It raises the Coverage C special limits of liability for listed classes of property, such as money, securities, jewelry, firearms, silverware and portable electronics in vehicles, to the amounts shown in the schedule.

1. 03 22 edition

   Mar 2022, compared with 05 11Latest edition

   • The per-article cap on theft of jewelry, watches, furs and precious stones rises from $1,000 to $2,000.

     05 11

     “but not more than $1,000 for any one article”

     03 22

     “but not more than $2,000 for any one article”

   • Watercraft and their trailers, furnishings and motors can now be scheduled for an increased limit.

     05 11

     Not in this edition

     03 22

     “Watercraft of all types, including their trailers”

   • Model or hobby aircraft can now be scheduled for an increased limit.

     05 11

     Not in this edition

     03 22

     “Model or hobby aircraft not used or designed to carry people or cargo”

2. 05 11 edition

   May 2011, compared with 04 91

   • The money class now also includes scrip, stored value cards and smart cards.

     04 91

     Not in this edition

     05 11

     “coins, medals, scrip, stored value cards and smart cards”

   • The firearms class now also includes related equipment.

     04 91

     Not in this edition

     05 11

     “Firearms and related equipment”

   • The two electronic apparatus classes are replaced by one class for portable electronic equipment in or upon a motor vehicle. The class for business electronic apparatus away from the residence premises is removed.

     04 91

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

     05 11

     “Portable electronic equipment that”

Filed by one company only: 08 05 (Westfield Group, 7 filings).

2 other edition dates appear in one or two filings each, often carrier-specific versions: 10 00, 08/01/05.

• Edition in use: in the past 12 months, 4 companies filed the 03 22 edition and 4 companies filed 05 11.
• The 08 05 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 65 (Coverage C Increased Special Limits of Liability) is filed alongside it most often, in 83 of the same filings (95%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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 65Coverage C Increased Special Limits of Liability83 filings
• HO 04 10Additional Interests - Residence Premises81 filings
• HO 04 41Additional Insured - Residence Premises78 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits78 filings
• HO 00 03Homeowners 3 - Special Form77 filings
• HO 24 71Designated Business Pursuits Liability Coverage77 filings
• HO 04 12Increased Limits on Business Property76 filings
• HO 04 35Supplemental Loss Assessment Coverage76 filings
• HO 04 77Ordinance or Law Increased Amount of Coverage76 filings
• HO 04 40Structures Rented to Others - Residence Premises75 filings