Coverage description
An Insurance Services Office (ISO) standard form. It extends homeowners personal liability and medical payments to others to the farming operations described in the schedule, on the residence premises or at a listed location away from it.
How the form has changed
The 10 00 edition rewrites the endorsement to match the homeowners policy provisions of that time, and the 03 22 edition updates the title and schedule layout. The coverage is substantially the same.
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 | 48 | 9 | 38 | Jan 2022 to Aug 2026 |
| 10 00Oct 2000 | 20 | 26 | 17 | Jan 2022 to Apr 2026 |
| 04 91Apr 1991 | 6 | 9 | 5 | Nov 2021 to Aug 2025 |
Filed by one company only: 12 19 (Westfield Group, 7 filings).
4 other edition dates appear in one or two filings each, often carrier-specific versions: 09 25, 11 20, 04 12, 12/01/19.
Where filings record what this form replaced, they name other forms HO 7072, ML-320. 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 12 19 edition appears only in filings from Westfield Group (7 filings in 7 states since Oct 23, 2023), which suggests a carrier-specific version.
- HO 24 71 (Designated Business Pursuits Liability Coverage) is filed alongside it most often, in 82 of the same filings (98%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 72, out of 24 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 32 | 32 | 03 2204 91 | Aug 27, 2026 |
| Insurance Services Office, Inc.Advisory Organization | 9 | 9 | 03 22 | Dec 4, 2024 |
| Westfield GroupOld Guard Insurance Company | 9 | 9 | 12 1912/01/19 | May 29, 2026 |
| 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 Group5 group companies filed it, led by American Fire and Casualty Company and Liberty Mutual Fire Insurance Company | 2 | 2 | 04 9110 00 | Aug 26, 2025 |
| Midwest Family GroupMidwest Family Mutual Insurance Company | 2 | 2 | 10 00 | Jul 25, 2022 |
| NEW London Cnty Group3 group companies filed it, led by Danbury Insurance Company and Hingham Mutual Fire Insurance Company | 2 | 2 | 03 22 | Mar 17, 2026 |
| Utica GroupUtica Mutual Insurance Company | 2 | 2 | 03 22 | Dec 5, 2023 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 1 | 1 | 10 00 | Apr 7, 2026 |
How the largest insurers handle HO 24 72
Groups among the largest homeowners insurers that filed HO 24 72 or their own version in the past five years.
- Farmers Insurance GroupFiles its own version: HF24VA Incidental Farming Personal Liability (1 state)
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States
Number of filings that include HO 24 72 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 24 71Designated Business Pursuits Liability Coverage82 filings
- HO 04 10Additional Interests - Residence Premises80 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits80 filings
- HO 04 50Increased Amount of Insurance for Personal Property at Other Residences79 filings
- HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families79 filings
- HO 04 41Additional Insured - Residence Premises78 filings
- HO 04 40Structures Rented to Others - Residence Premises77 filings
- HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement77 filings
- HO 00 03Homeowners 3 - Special Form75 filings
- HO 04 99Sinkhole Collapse Coverage75 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 | 03 22 | ARMD-134961669 |
| May 29, 2026 | Old Guard Insurance Company | MI | 12 19 | WSFG-G134947110 |
| May 14, 2026 | Armed Forces Insurance Exchange | MO | 03 22 | ARMD-134865546 |
| Apr 7, 2026 | Accelerant National Insurance Company | WA | 10 00 | SPRO-G134894244 |
| Mar 23, 2026 | Armed Forces Insurance Exchange | AR | 03 22 | ARMD-134879857 |
| Mar 17, 2026 | Danbury Insurance Companyand 1 more | MA | 03 22 | NLCC-134869733 |
| Feb 27, 2026 | Armed Forces Insurance Exchange | NE | 03 22 | ARMD-134795835 |
| Feb 3, 2026 | Massachusetts Bay Insurance Company | ME | 10 00 | HNVR-G134821698 |
| Nov 14, 2025 | New London County Mutual Insurance Co. | CT | 03 22 | NLCC-134739293 |
| Sep 18, 2025 | Old Guard Insurance Company | MN | 12 19 | WSFG-G134667554 |
| Aug 26, 2025 | Liberty Mutual Fire Insurance Companyand 1 more | WY | 04 91 | LBPM-134639054 |
| Aug 22, 2025 | United Farm Family Mutual Insurance Company | IN | 09 25 | IFAR-134646342 |
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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