HO 17 31 Unit-Owners Coverage C Special Coverage

An Insurance Services Office (ISO) standard form. It gives a condominium unit owner open perils coverage for personal property under Coverage C, subject to listed exclusions, and extends the special limits for jewelry, firearms and silverware to misplacing or losing.

1. 03 22 edition

   Mar 2022, compared with 05 11Latest edition

   • The special limit for theft, misplacing or losing of jewelry, watches and furs rises from $1,500 to $2,000.

     05 11

     “$1,500 for loss by theft, misplacing or losing of jewelry”

     03 22

     Removed

   • The special limits for theft, misplacing or losing of firearms and of silverware rise from $2,500 to $3,000.

     05 11

     “$2,500 for loss by theft, misplacing or losing of firearms”

     03 22

     Removed

Filed by one company only: 01 18 (Westfield Group, 7 filings).

7 other edition dates appear in one or two filings each, often carrier-specific versions: 02 24, 07 23, 09 22, 03 15, 03 07, 12 97, 01/01/18.

Where filings record what this form replaced, they name other forms ML-429. Only some filings record replacements.

• Edition in use: in the past 12 months, 3 companies filed the 05 11 edition and 1 company filed 01 18.
• The newer 03 22 edition first appears May 19, 2022 and has been filed by 6 companies in 11 states so far.
• The 01 18 edition appears only in filings from Westfield Group (7 filings in 7 states since Oct 23, 2023), which suggests a carrier-specific version.
• HO 17 32 (Unit-Owners Coverage a Special Coverage) is filed alongside it most often, in 78 of the same filings (91%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 17 32Unit-Owners Coverage a Special Coverage78 filings
• HO 00 06Unit-Owners 6 - Broad Form74 filings
• HO 04 41Additional Insured - Residence Premises72 filings
• HO 04 50Increased Amount of Insurance for Personal Property at Other Residences72 filings
• HO 04 35Supplemental Loss Assessment Coverage70 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits70 filings
• HO 00 03Homeowners 3 - Special Form69 filings
• HO 04 66Coverage C Increased Special Limits of Liability69 filings
• HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement69 filings
• HO 04 10Additional Interests - Residence Premises68 filings