HO 24 13 Incidental Low Power Recreational Motor Vehicle Liability Coverage Endorsement

An Insurance Services Office (ISO) standard form. It extends homeowners liability to low power recreational motor vehicles that an insured owns, including off an insured location if the vehicle meets speed and vehicle type limits, and insures anyone legally responsible for such a vehicle with the owner's permission.

1. 03 22 edition

   Mar 2022, compared with 05 11Latest edition

   • Off an insured location, an owned vehicle is now covered only if it is not built or modified to exceed 28 miles per hour (previously 15) and it is not one of the listed vehicle types. Both conditions now apply.

     05 11

     “exceed a speed of 15 miles per hour on level ground”

     03 22

     Removed

2. 05 11 edition

   May 2011, compared with 10 00

   • Motorized scooters are added to the vehicle types that are not covered off an insured location.

     10 00

     “motorized bicycle, moped or motorized golf cart”

     05 11

     “Motorized scooter”

Filed by one company only: 02 22 (Armed Forces Insurance Exchange, 35 filings), 01 18 (Westfield Group, 7 filings).

3 other edition dates appear in one or two filings each, often carrier-specific versions: 08 07, 2016, 01/01/18.

• Edition in use: in the past 12 months, 2 companies filed the 05 11 edition and 1 company filed 02 22.
• The 02 22 edition appears only in filings from Armed Forces Insurance Exchange (35 filings in 32 states since Jan 7, 2022), which suggests a carrier-specific version.
• 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 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 76 of the same filings (59%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 04 10Additional Interests - Residence Premises76 filings
• HO 04 50Increased Amount of Insurance for Personal Property at Other Residences75 filings
• HO 04 41Additional Insured - Residence Premises74 filings
• HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement74 filings
• HO 24 71Designated Business Pursuits Liability Coverage74 filings
• HO 04 40Structures Rented to Others - Residence Premises73 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits73 filings
• HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families73 filings
• HO 24 72Incidental Farming Personal Liability Coverage73 filings
• HO 00 03Homeowners 3 - Special Form71 filings