Coverage description
An Insurance Services Office (ISO) standard form. It extends personal liability and medical payments to others coverage to the watercraft described in the schedule, with exclusions for racing, rental, carrying people or cargo for a charge, business use, and certain employee injuries.
How the form has changed
2 changes across 2 revisions, newest first. Each edition is compared with the one before it, using wording from filed copies.
03 22 edition
Mar 2022, compared with 10 00Latest editionThe employee injury exclusion now applies to any scheduled watercraft, not only sailing vessels and inboard or inboard-outdrive watercraft.
10 00
“Powered by an inboard or inboard-outdrive engine or motor, including those that power a water jet pump.”
03 22
“operation or use of a watercraft described in the Schedule.”
10 00 edition
Oct 2000, compared with 04 91The exclusions for rental and carrying persons for a charge now apply to all scheduled watercraft, and new exclusions are added for carrying cargo for a charge and any business use.
04 91
“With respect to watercraft with inboard or inboard-outdrive”
10 00
“Used for any "business" purpose.”
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 | 51 | 11 | 38 | Jan 2022 to Oct 2026 |
| 10 00Oct 2000 | 14 | 20 | 14 | Jan 2022 to Oct 2026 |
| 04 91Apr 1991 | 11 | 10 | 6 | Mar 2022 to Sep 2025 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 12 06.
What the filings show
- Edition in use: in the past 12 months, 6 companies filed the 03 22 edition and 4 companies filed 10 00.
- HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 66 of the same filings (88%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 75, out of 24 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 31 | 31 | 03 2204 91 | Aug 27, 2026 |
| Insurance Services Office, Inc.Advisory Organization | 10 | 10 | 03 22 | Sep 21, 2026 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and MICO | 6 | 6 | 10 00 | Apr 24, 2023 |
| American Family Insurance Group3 group companies filed it, led by Grain Dealers Mutual Insurance Company and NGM Insurance Company | 3 | 2 | 04 9110 00 | Jan 17, 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 |
| 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 |
| THE Hanover Insurance GroupMassachusetts Bay Insurance Company | 2 | 2 | 04 9110 00 | Feb 3, 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 |
| Allstate Insurance GroupIntegon National Insurance Company | 1 | 1 | 10 00 | May 1, 2023 |
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States
Number of filings that include HO 24 75 in each state, Oct 2021 to Oct 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 Premises66 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits66 filings
- HO 24 71Designated Business Pursuits Liability Coverage65 filings
- HO 04 41Additional Insured - Residence Premises64 filings
- HO 04 77Ordinance or Law Increased Amount of Coverage63 filings
- HO 04 40Structures Rented to Others - Residence Premises62 filings
- HO 04 50Increased Amount of Insurance for Personal Property at Other Residences62 filings
- HO 00 03Homeowners 3 - Special Form61 filings
- HO 04 35Supplemental Loss Assessment Coverage60 filings
- HO 04 65Coverage C Increased Special Limits of Liability60 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 12, 2026 | Midwest Family Mutual Insurance Company | IL | 10 00 | MWFM-135087418 |
| Oct 5, 2026 | BrightShore Insurance Company | RI | 03 22 | CUAN-135072480 |
| Sep 21, 2026 | Insurance Services Office, Inc. | IL | 03 22 | ISOF-G135092691 |
| Aug 27, 2026 | Armed Forces Insurance Exchange | CA | 03 22 | ARMD-134961669 |
| Aug 14, 2026 | Builder Reciprocal Insurance Exchange | NM | 10 00 | BRIE-135052376 |
| May 14, 2026 | Armed Forces Insurance Exchange | MO | 03 22 | ARMD-134865546 |
| Apr 17, 2026 | New London County Mutual Insurance Co. | RI | 03 22 | NLCC-134891646 |
| 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 |
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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