HO 06 15 Trust Coverage

An Insurance Services Office (ISO) standard form. It makes a trust and its trustees named in the schedule insureds for dwelling, other structures and premises liability when the home is held in trust, and adds trustee notice and trust document provisions.

1. 03 22 edition

   Mar 2022, compared with 02 17Latest edition

   • The compensation an insured may earn from activities without them counting as business rises from $2,000 to $5,000.

     02 17

     “more than $2,000 in”

     03 22

     “$5,000 in total compensation”

   • Leasing the mineral rights of an insured location is now treated as business.

     02 17

     Not in this edition

     03 22

     “The leasing of the mineral rights of an "insured location"”

2. 02 17 edition

   Feb 2017, compared with 05 11

   • Home-sharing host activities are now treated as business.

     05 11

     Not in this edition

     02 17

     “"Home-sharing host activities"; or”

Filed by one company only: 02 22 (Armed Forces Insurance Exchange, 25 filings).

1 other edition date appears in one or two filings each, often carrier-specific versions: 01 14.

Where filings record what this form replaced, they name earlier edition A and other forms HO 05 43. Only some filings record replacements.

• Edition in use: in the past 12 months, 2 companies filed the 03 22 edition and 1 company filed 02 17.
• The 02 22 edition appears only in filings from Armed Forces Insurance Exchange (25 filings in 25 states since Jan 7, 2022), which suggests a carrier-specific version.
• HO 04 92 (Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement) is filed alongside it most often, in 57 of the same filings (89%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement57 filings
• HO 04 10Additional Interests - Residence Premises56 filings
• HO 04 41Additional Insured - Residence Premises55 filings
• HO 00 03Homeowners 3 - Special Form53 filings
• HO 04 12Increased Limits on Business Property52 filings
• HO 24 71Designated Business Pursuits Liability Coverage52 filings
• HO 04 40Structures Rented to Others - Residence Premises51 filings
• HO 00 06Unit-Owners 6 - Broad Form50 filings
• HO 17 33Unit-Owners Rental to Others50 filings
• HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families50 filings