Coverage description
An Insurance Services Office (ISO) standard form. It replaces the Coverage A perils on a unit-owners policy with open perils coverage for direct physical loss, subject to listed exclusions, with a separate version that applies when broadened home-sharing host activities coverage is added.
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 02 17Latest editionFor the vacancy limit on vandalism, a building being remodeled, renovated or repaired is now also not considered vacant, not only one being constructed.
02 17
“A building being constructed is not considered vacant”
03 22
“being constructed, remodeled, renovated or”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 07 25Jul 2025 | 6 | 7 | 1 | Nov 2024 to Mar 2025 |
| 03 22Mar 2022Latest | 31 | 11 | 21 | May 2022 to Jul 2026 |
| 02 17Feb 2017 | 23 | 10 | 18 | Jan 2022 to Aug 2026 |
| 05 11May 2011 | 10 | 6 | 10 | Nov 2021 to Feb 2026 |
| 10 00Oct 2000 | 4 | 15 | 4 | Mar 2022 to Jan 2025 |
| 04 91Apr 1991 | 24 | 8 | 21 | Nov 2021 to Aug 2025 |
Filed by one company only: 01 18 (Westfield Group, 6 filings).
5 other edition dates appear in one or two filings each, often carrier-specific versions: 07 24, 07 23, 07 18, 01 17, 01/01/18.
Where filings record what this form replaced, they name other forms ML-32. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 5 companies filed the 03 22 edition and 2 companies filed 02 17.
- The newer 07 25 edition first appears Nov 22, 2024 and has been filed by 7 companies in 1 state so far.
- The 01 18 edition appears only in filings from Westfield Group (6 filings in 6 states since Oct 23, 2023), which suggests a carrier-specific version.
- HO 00 06 (Unit-Owners 6 - Broad Form) is filed alongside it most often, in 91 of the same filings (83%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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.
Carriers filing this form
The 10 carrier groups with the most filings that include HO 17 32, out of 29 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 27 | 27 | 04 9102 1701 17 | Aug 27, 2026 |
| Assurant Incorporated Group2 group companies filed it, led by American Bankers Insurance Company of Florida and American Security Insurance Company | 16 | 16 | 03 2202 17 | Jul 2, 2026 |
| Westfield GroupOld Guard Insurance Company | 9 | 9 | 01 1801/01/1807 18 | May 29, 2026 |
| Encova Mutual Insurance Group4 group companies filed it, led by Motorists Mutual Insurance Company and Iowa Mutual Insurance Company | 7 | 7 | 02 1705 11 | Apr 24, 2023 |
| Insurance Services Office, Inc.Advisory Organization | 7 | 7 | 03 22 | Aug 16, 2024 |
| Universal Insurance Holding GroupUniversal Property and Casualty Insurance Company | 6 | 6 | 02 17 | Feb 24, 2025 |
| Berkshire Hathaway Group2 group companies filed it, led by United States Liability Insurance Company and Mount Vernon Fire Insurance Company | 5 | 5 | 05 11 | Nov 1, 2022 |
| Liberty Mutual Group6 group companies filed it, led by American Fire and Casualty Company and Liberty Mutual Fire Insurance Company | 3 | 2 | 04 9110 00 | Aug 26, 2025 |
| NEW London Cnty Group3 group companies filed it, led by New London County Mutual Insurance Co. and Danbury Insurance Company | 3 | 3 | 03 22 | Apr 17, 2026 |
| Virginia Farm Bureau Group2 group companies filed it, led by Virginia Farm Bureau Fire and Casualty Insurance Company and Virginia Farm Bureau Mutual Insurance Company | 3 | 1 | 07 25 | Mar 13, 2025 |
How the largest insurers handle HO 17 32
Groups among the largest homeowners insurers that filed HO 17 32 or their own version in the past five years.
- Allstate Insurance GroupFiles its own version: AVP584 Unit-Owners Coverage A Special Coverage (1 state)
See more forms
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States
Number of filings that include HO 17 32 in each state, Oct 2021 to Aug 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- HO 00 06Unit-Owners 6 - Broad Form91 filings
- HO 17 33Unit-Owners Rental to Others83 filings
- HO 04 16Premises Alarm, Water Leak Detection or Fire Protection System78 filings
- HO 04 35Supplemental Loss Assessment Coverage78 filings
- HO 17 31Unit-Owners Coverage C Special Coverage78 filings
- HO 04 41Additional Insured - Residence Premises76 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits75 filings
- HO 04 77Ordinance or Law Increased Amount of Coverage75 filings
- HO 04 90Personal Property Replacement Cost Loss Settlement75 filings
- HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement75 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Aug 27, 2026 | Armed Forces Insurance Exchange | CA | 02 17 | ARMD-134961669 |
| Aug 14, 2026 | Builder Reciprocal Insurance Exchange | NM | 02 17 | BRIE-135052376 |
| Jul 2, 2026 | American Bankers Insurance Company of Florida | HI | 03 22 | ASPX-135000706 |
| May 29, 2026 | Old Guard Insurance Company | MI | 01 18 | WSFG-G134947110 |
| May 21, 2026 | American Bankers Insurance Company of Florida | CT | 03 22 | ASPX-134953144 |
| May 14, 2026 | Armed Forces Insurance Exchange | MO | 02 17 | ARMD-134865546 |
| Apr 17, 2026 | New London County Mutual Insurance Co. | RI | 03 22 | NLCC-134891646 |
| Mar 23, 2026 | Armed Forces Insurance Exchange | AR | 02 17 | ARMD-134879857 |
| Mar 17, 2026 | Danbury Insurance Companyand 1 more | MA | 03 22 | NLCC-134869733 |
| Feb 27, 2026 | Armed Forces Insurance Exchange | NE | 02 17 | ARMD-134795835 |
| Feb 17, 2026 | American Security Insurance Company | GA | 03 22 | ASPX-134839174 |
| Feb 3, 2026 | Massachusetts Bay Insurance Company | ME | 05 11 | HNVR-G134821698 |
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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