Coverage description
An Insurance Services Office (ISO) standard form. It extends personal liability and medical payments to others coverage to a one to four family residence that an insured rents to others, by adding the scheduled location to the insured locations and to the business exclusion exception.
How the form has changed
The 03 22 edition renumbers the insured location definition it refers to and updates the form date. The coverage wording is the same as 10 00.
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 | 27 | 11 | 21 | May 2022 to Jul 2026 |
| 08 21Aug 2021 | 18 | 4 | 9 | Nov 2021 to May 2026 |
| 10 00Oct 2000 | 22 | 28 | 18 | Apr 2022 to Aug 2026 |
| 04 91Apr 1991 | 10 | 13 | 7 | Nov 2021 to Aug 2025 |
Filed by one company only: 02 22 (Armed Forces Insurance Exchange, 32 filings).
3 other edition dates appear in one or two filings each, often carrier-specific versions: 06 23, 08 92, 08/01/21.
Where filings record what this form replaced, they name earlier editions 08 05, 03 22 and other forms ML-70, SF-294. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 4 companies filed the 03 22 edition and 2 companies filed 10 00.
- The 02 22 edition appears only in filings from Armed Forces Insurance Exchange (32 filings in 32 states since Jan 7, 2022), which suggests a carrier-specific version.
- HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 96 of the same filings (86%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 24 70, out of 28 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 33 | 33 | 02 2204 9106 23 | Aug 27, 2026 |
| Westfield Group4 group companies filed it, led by Old Guard Insurance Company and American Select Insurance Company | 20 | 9 | 08 2108/01/21 | May 29, 2026 |
| Insurance Services Office, Inc.Advisory Organization | 9 | 9 | 03 22 | Dec 4, 2024 |
| Acuity, A Mutual Insurance Company | 8 | 8 | 03 22 | Jul 2, 2026 |
| Encova Mutual Insurance Group2 group companies filed it, led by Motorists Mutual Insurance Company and Wilson Mutual Insurance Company | 5 | 5 | 10 00 | Apr 24, 2023 |
| THE Hanover Insurance Group3 group companies filed it, led by Massachusetts Bay Insurance Company and The Hanover Insurance Company | 5 | 3 | 10 0004 91 | Feb 3, 2026 |
| 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 |
| American Family Insurance Group4 group companies filed it, led by Grain Dealers Mutual Insurance Company and Homesite Insurance Company | 2 | 2 | 04 9110 00 | Jan 17, 2025 |
| Heritage Insurance Holdings Group2 group companies filed it, led by Narragansett Bay Insurance Company and Slide Specialty Insurance Company | 2 | 2 | 03 2204 91 | Oct 10, 2025 |
How the largest insurers handle HO 24 70
Groups among the largest homeowners insurers that filed HO 24 70 or their own version in the past five years.
- Farmers Insurance GroupFiles its own version: 7308 Additional Residence Rented to Others (2 states)
See more forms
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States
Number of filings that include HO 24 70 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 04 10Additional Interests - Residence Premises96 filings
- HO 24 71Designated Business Pursuits Liability Coverage92 filings
- HO 04 40Structures Rented to Others - Residence Premises91 filings
- HO 04 41Additional Insured - Residence Premises91 filings
- HO 00 03Homeowners 3 - Special Form90 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits89 filings
- HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement89 filings
- HO 00 06Unit-Owners 6 - Broad Form85 filings
- HO 04 50Increased Amount of Insurance for Personal Property at Other Residences84 filings
- HO 04 53Credit Card, Electronic Fund Transfer Card or Access Device, Forgery & Counterfeit Money Coverage - Increased Limit83 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 22 | ARMD-134961669 |
| Aug 14, 2026 | Builder Reciprocal Insurance Exchange | NM | 10 00 | BRIE-135052376 |
| Jul 2, 2026 | Acuity, A Mutual Insurance Company | IL | 03 22 | ACUT-134943551 |
| Jun 24, 2026 | Acuity, A Mutual Insurance Company | IN | 03 22 | ACUT-134949931 |
| Jun 10, 2026 | Acuity, A Mutual Insurance Company | AZ | 03 22 | ACUT-134943550 |
| Jun 10, 2026 | Acuity, A Mutual Insurance Company | WI | 03 22 | ACUT-134943553 |
| Jun 9, 2026 | Acuity, A Mutual Insurance Company | IA | 03 22 | ACUT-134943552 |
| Jun 9, 2026 | Acuity, A Mutual Insurance Company | KS | 03 22 | ACUT-134949932 |
| Jun 9, 2026 | Acuity, A Mutual Insurance Company | MO | 03 22 | ACUT-134949934 |
| Jun 3, 2026 | Acuity, A Mutual Insurance Company | TN | 03 22 | ACUT-134949935 |
| May 29, 2026 | Old Guard Insurance Company | MI | 08 21 | WSFG-G134947110 |
| May 14, 2026 | Armed Forces Insurance Exchange | MO | 02 22 | ARMD-134865546 |
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
See more carrier forms
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