Coverage description
An Insurance Services Office (ISO) standard form. It covers a home day care business run by an insured on the residence premises, adding liability coverage for regularly provided paid day care, coverage for scheduled other structures used for it, and an annual aggregate limit for the liability coverages.
How the form has changed
1 change across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
03 22 edition
Mar 2022, compared with 05 11Latest editionThe special limit for business property on the residence premises rises from $2,500 to $3,000.
05 11
“h. $2,500 on property”
03 22
“h. $3,000 on property”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 03 22Mar 2022Latest | 35 | 3 | 31 | Jan 2022 to May 2026 |
| 05 11May 2011 | 9 | 6 | 7 | Jan 2022 to Feb 2025 |
Filed by one company only: 08 05 (Westfield Group, 6 filings).
5 other edition dates appear in one or two filings each, often carrier-specific versions: 01 14, 10 00, 05 94, 04 91, 08/01/05.
What the filings show
- Edition in use: in the past 12 months, 1 company filed the 03 22 edition and 1 company filed 08 05.
- The 08 05 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 57 of the same filings (100%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to May 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.
Carriers filing this form
The 10 carrier groups with the most filings that include HO 04 97, out of 11 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 27 | 27 | 03 2204 91 | May 14, 2026 |
| Westfield GroupOld Guard Insurance Company | 8 | 8 | 08 0508/01/05 | May 29, 2026 |
| Encova Mutual Insurance Group4 group companies filed it, led by Motorists Mutual Insurance Company and Iowa Mutual Insurance Company | 7 | 7 | 05 11 | Apr 24, 2023 |
| Insurance Services Office, Inc.Advisory Organization | 7 | 7 | 03 22 | Aug 16, 2024 |
| American Family Insurance Group4 group companies filed it, led by American Family Insurance Company and Grain Dealers Mutual Insurance Company | 2 | 2 | 01 1410 00 | Jan 17, 2025 |
| Hartford Fire & CAS Group8 group companies filed it, led by Hartford Accident and Indemnity Company and Hartford Casualty Insurance Company | 1 | 1 | 10 00 | Apr 21, 2023 |
| Liberty Mutual Group2 group companies filed it, led by Liberty Mutual Fire Insurance Company and The First Liberty Insurance Corporation | 1 | 1 | 04 91 | Aug 26, 2025 |
| Property Insurance Association of Louisiana | 1 | 1 | 03 22 | Aug 19, 2024 |
| United Fire & CAS GroupUnited Fire and Casualty Company | 1 | 1 | 05 94 | Nov 23, 2021 |
| United Mutual Insurance Company | 1 | 1 | 05 11 | Sep 14, 2024 |
How the largest insurers handle HO 04 97
Groups among the largest homeowners insurers that filed HO 04 97 or their own version in the past five years.
- Allstate Insurance GroupFiles its own version: P13032 Home Day Care Coverage (36 states)
- Liberty Mutual GroupFiles its own version: HM 8322 Home Day Care Coverage (32 states)
- Farmers Insurance GroupFiles its own version: TOG-HO4-MD03 Home Day Care Coverage (1 state)
See more forms
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States
Number of filings that include HO 04 97 in each state, Oct 2021 to May 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- HO 04 10Additional Interests - Residence Premises57 filings
- HO 04 54Earthquake Coverage57 filings
- HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement57 filings
- HO 04 12Increased Limits on Business Property56 filings
- HO 04 35Supplemental Loss Assessment Coverage56 filings
- HO 04 41Additional Insured - Residence Premises56 filings
- HO 04 50Increased Amount of Insurance for Personal Property at Other Residences56 filings
- HO 04 65Coverage C Increased Special Limits of Liability56 filings
- HO 04 42Permitted Incidental Occupancies - Residence Premises55 filings
- HO 04 66Coverage C Increased Special Limits of Liability55 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| May 29, 2026 | Old Guard Insurance Company | MI | 08 05 | WSFG-G134947110 |
| May 14, 2026 | Armed Forces Insurance Exchange | MO | 03 22 | ARMD-134865546 |
| Mar 23, 2026 | Armed Forces Insurance Exchange | AR | 03 22 | ARMD-134879857 |
| Feb 27, 2026 | Armed Forces Insurance Exchange | NE | 03 22 | ARMD-134795835 |
| Aug 26, 2025 | Liberty Mutual Fire Insurance Companyand 1 more | WY | 04 91 | LBPM-134639054 |
| Jul 18, 2025 | Old Guard Insurance Company | WV | 08 05 | WSFG-G134603209 |
| Jun 30, 2025 | Armed Forces Insurance Exchange | PA | 03 22 | ARMD-134580982 |
| Jun 20, 2025 | Old Guard Insurance Company | TN | 08 05 | WSFG-G134565373 |
| Apr 4, 2025 | Old Guard Insurance Company | KY | 08 05 | WSFG-G134475387 |
| Feb 24, 2025 | Wayne Mutual Insurance Company | IN | 05 11 | WMIN-134429496 |
| Jan 17, 2025 | Grain Dealers Mutual Insurance Companyand 2 more | NH | 10 00 | NGMC-134384684 |
| Jan 17, 2025 | Old Guard Insurance Company | PA | 08 05 | WSFG-G134382082 |
Most filed ISO HO forms
- HO 00 03 Homeowners 3 Special Form
- HO 04 90 Personal Property Replacement Cost Loss Settlement
- HO 04 10 Additional Interests - Residence Premises
- HO 04 41 Additional Insured - Residence Premises
- HO 04 48 Other Structures on the Residence Premises - Increased Limits
- HO 04 16 Premises Alarm Water Leak Detection or Fire Protection System
- HO 04 98 Refrigerated Property Coverage
- HO 04 35 Supplemental Loss Assessment Coverage
- HO 04 77 Ordinance or Law Increased Amount of Coverage
- HO 00 06 Homeowners 6 - Unit- Owners Form
- HO 24 13 Incidental Low Power Recreational Motor Vehicle Liability Coverage Endorsement
- HO 04 40 Structures Rented to Others - Residence Premises
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