Product background
Homeowners insurance packages dwelling, appurtenant structure, personal property, additional living expense, and personal liability coverage for owner-occupied, condominium, tenant, mobile home, and related personal residential risks.
Homeowners filings reveal how carriers handle property coverage, personal liability, declarations, deductible schedules, roof and cosmetic damage terms, water backup, catastrophe perils, animal liability, notices, and state amendments.
What forms make up a homeowners policy
An ISO homeowners policy is one coverage form plus declarations and endorsements. HO 00 03 (filed by 50 carrier groups) covers the house on an open-perils basis and belongings against named perils; HO 00 05 covers both on an open-perils basis; HO 00 02 is named perils only; HO 00 04 is for renters, HO 00 06 for condominium unit owners and HO 00 08 for older homes. All six are at the 03 22 edition. Widely filed endorsements include HO 04 90 (replacement cost on personal property), HO 04 10 (additional interests) and HO 04 41 (additional insured).
Common filing signals
- Homeowners policy forms, declarations, coverage selection forms, and state amendments
- Water backup, roof, windstorm, hail, hurricane, earthquake, replacement cost, and loss settlement endorsements
- Animal liability, personal injury, business activity, ordinance or law, cancellation, and nonrenewal notices
Rate impact
| State | Filings | Avg |
|---|---|---|
| AZ | 96 | +2.0% |
| TX | 87 | -2.0% |
| IL | 64 | +3.4% |
| TN | 58 | +2.9% |
| WI | 58 | +4.5% |
| MO | 56 | +5.0% |
| PA | 56 | +2.5% |
| IN | 55 | +3.6% |
| Carrier | Avg | Filings |
|---|---|---|
| Universal Insurance Holding Group10 states | +12.1% | 12 |
| TFP & TWI Group1 states | -11.7% | 3 |
| Frontline Insurance Group4 states | -11.1% | 6 |
| Progressive Group28 states | +10.3% | 42 |
| Assurant Incorporated Group25 states | +10.2% | 46 |
| Lititz Mutual Group3 states | +10.2% | 3 |
| Safepoint Holdings Incorporated Group3 states | -10.0% | 3 |
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jan 16, 2026 | Hawaii Property Insurance Association | HI | Ho-6 Non Lava Expansion | +238.0% | +313.0% |
| Mar 27, 2026 | Auto Club Enterprises Insurance Group | HI | Hawaii Homeowners | +66.8% | +80.0% |
| Jul 16, 2026 | United Services Automobile Assn Group | HI | Renters | +65.0% | +67.2% |
| Jul 16, 2026 | United Services Automobile Assn Group | HI | Renters | +59.0% | +59.6% |
| Feb 26, 2026 | Nationwide Corporation Group | NC | Homeowners | +55.2% | +55.2% |
| Feb 26, 2026 | Nationwide Corporation Group | NC | Homeowners | +55.2% | +55.2% |
| Feb 26, 2026 | Nationwide Corporation Group | NC | Homeowners | +55.2% | +55.2% |
| Feb 26, 2026 | Nationwide Corporation Group | NC | Homeowners | +55.2% | +55.2% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Homeowners | Liberty Mutual Group | Revised | 492 | Nov 10, 2026 |
| Pl Home, Boat, Inland Marine | Westfield Group | Revised | 81 | Nov 10, 2026 |
| Mobilowners | Assurant Incorporated Group | Revised | 56 | Nov 10, 2026 |
| Renters | Liberty Mutual Group | Revised | 27 | Nov 10, 2026 |
| Gna Renters | American Family Insurance Group | Revised | 2 | Nov 10, 2026 |
| Cj Adv Ho - Inf Upt | Safepoint Holdings Incorporated Group | Revised | 1 | Nov 10, 2026 |
Top carriers
Top states
Insurance forms library
Form examples
- 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