Coverage description
An Insurance Services Office (ISO) standard form. It extends personal liability and medical payments to others to the business pursuits of the scheduled insured, excluding owned businesses, professional services other than teaching, and for teachers, certain vehicle claims and corporal punishment unless covered.
How the form has changed
3 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
10 00 edition
Oct 2000, compared with 04 91The exclusion for teachers now also reaches ownership, occupancy and operation of the listed vehicles and failure to supervise or negligent supervision.
04 91
Not in this edition
10 00
“the failure to supervise or negligent supervision”
Hovercraft are added to the excluded vehicles, and motor vehicles now follow the policy definition.
04 91
“Motor vehicles or all other motorized land conveyances”
10 00
“(3) Hovercraft;”
When corporal punishment is covered, the exception now applies to the whole corporal punishment exclusion rather than only under personal liability.
04 91
“this exclusion does not apply under Coverage E - Personal Liability if liability”
10 00
Removed
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 | 63 | 16 | 42 | Jan 2022 to Aug 2026 |
| 10 00Oct 2000 | 24 | 27 | 18 | Jan 2022 to Sep 2026 |
| 04 91Apr 1991 | 6 | 8 | 5 | Mar 2022 to Aug 2025 |
Filed by one company only: 08 05 (Westfield Group, 7 filings).
5 other edition dates appear in one or two filings each, often carrier-specific versions: 06 23, 08 04, 12 97, 05 94, 08/01/05.
Where filings record what this form replaced, they name other forms F-309A/B, HD0017, ML-71. 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 4 companies filed 10 00.
- The 08 05 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 101 of the same filings (96%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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.
Carriers filing this form
The 10 carrier groups with the most filings that include HO 24 71, out of 27 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 33 | 33 | 03 2204 9106 23 | Aug 27, 2026 |
| Insurance Services Office, Inc.Advisory Organization | 9 | 9 | 03 22 | Dec 4, 2024 |
| Westfield GroupOld Guard Insurance Company | 9 | 9 | 08 0508/01/05 | May 29, 2026 |
| Acuity, A Mutual Insurance Company | 8 | 8 | 03 22 | Jul 2, 2026 |
| American Family Insurance Group7 group companies filed it, led by Grain Dealers Mutual Insurance Company and Homesite Insurance Company of the Midwest | 8 | 4 | 03 2204 9110 00 | Jun 23, 2025 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and MICO | 6 | 6 | 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 |
| Midwest Family GroupMidwest Family Mutual Insurance Company | 2 | 2 | 10 00 | Jul 25, 2022 |
How the largest insurers handle HO 24 71
Groups among the largest homeowners insurers that filed HO 24 71 or their own version in the past five years.
- Allstate Insurance GroupFiles its own version: SH 25 12 Business Pursuits (1 state)
- Farmers Insurance GroupFiles its own version: HD2000 Business Pursuits (1 state)
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include HO 24 71 in each state, Oct 2021 to Sep 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 Premises101 filings
- HO 04 41Additional Insured - Residence Premises93 filings
- HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families92 filings
- HO 00 03Homeowners 3 - Special Form91 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits91 filings
- HO 04 40Structures Rented to Others - Residence Premises89 filings
- HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement87 filings
- HO 04 12Increased Limits on Business Property86 filings
- HO 04 50Increased Amount of Insurance for Personal Property at Other Residences86 filings
- HO 04 53Credit Card, Electronic Fund Transfer Card or Access Device, Forgery & Counterfeit Money Coverage - Increased Limit86 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Sep 14, 2026 | American Modern Select Insurance Company | CA | 10 00 | TRUW-135088756 |
| Aug 27, 2026 | Armed Forces Insurance Exchange | CA | 03 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 05 | WSFG-G134947110 |
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
Search forms by carrier, line of business, state, and wording with FilingFocus.