HO 24 82 Personal Injury Coverage

An Insurance Services Office (ISO) standard form. It adds personal injury coverage to homeowners liability for offenses such as false arrest, malicious prosecution, wrongful eviction, libel, slander and invasion of privacy committed during the policy period, with its own exclusions and loss assessment coverage.

1. 03 22 edition

   Mar 2022, compared with 05 11Latest edition

   • Loss assessment coverage for personal injury rises from $1,000 to $2,000.

     05 11

     “We will pay up to $1,000 for your share of loss”

     03 22

     “We will pay up to $2,000 for your share of loss assessment”

   • The exceptions to the business exclusion for occasional or partial rental of an insured location no longer apply to home-sharing host activities.

     05 11

     Not in this edition

     03 22

     “With respect to other than "home-sharing host activities"”

2. 05 11 edition

   May 2011, compared with 04 02

   • The libel, slander and privacy offenses now apply to oral or written publication of material in any manner.

     04 02

     Not in this edition

     05 11

     “Oral or written publication, in any manner, of material that violates a person's right of privacy”

Filed by one company only: 08 14 (Westfield Group, 4 filings).

3 other edition dates appear in one or two filings each, often carrier-specific versions: 07 18, 03 15, 08/01/14.

Where filings record what this form replaced, they name earlier editions 03 22, 04 02. Only some filings record replacements.

• Edition in use: in the past 12 months, 5 companies filed the 03 22 edition and 4 companies filed 05 11.
• The 08 14 edition appears only in filings from Westfield Group (4 filings in 4 states since Oct 23, 2023), which suggests a carrier-specific version.
• HO 04 35 (Supplemental Loss Assessment Coverage) is filed alongside it most often, in 71 of the same filings (84%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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.

• Allstate Insurance GroupFiles its own version: P13041 Personal Injury Coverage (26 states)
• Farmers Insurance GroupFiles its own version: HF25VA Personal Injury Coverage (1 state)

• HO 04 35Supplemental Loss Assessment Coverage71 filings
• HO 04 41Additional Insured - Residence Premises71 filings
• HO 04 77Ordinance or Law Increased Amount of Coverage70 filings
• HO 04 98Refrigerated Property Coverage70 filings
• HO 00 03Homeowners 3 Special Form69 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits69 filings
• HO 04 10Additional Interests - Residence Premises67 filings
• HO 04 40Structures Rented to Others - Residence Premises63 filings
• HO 04 90Personal Property Replacement Cost Loss Settlement61 filings
• HO 04 16Premises Alarm Water Leak Detection or Fire Protection System58 filings