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July 19, 2011

Summary: The Insurance Services Office (ISO) homeowners forms may be used to provide coverage for owner-occupants of one to four family dwellings.  Homeowners policies may also be issued to tenant homeowners, co-op owners, and condominium owners. The homeowners policy as it exists today is a “package” in that it includes coverage for home, contents, and personal liability.

This discussion looks briefly at the evolution of the homeowners program to its current format, provides eligibility guidelines for the various policy forms, and includes a brief overview of the coverages provided by each form.

Topics covered: Evolution of the homeowners form

Eligibility: forms HO 00 02, 00 03, 00 05, and 00 08

Eligibility: form HO 00 04

Eligibility: form HO 00 06

Eligibility: farm and mobile home property

Eligibility: secondary residences

Residences held in trust

Incidental occupancy

Forms overview

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