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Policy Forms Used by the 10 Largest Homeowners' Insurance Groups in Nevada

As an informational resource for consumers, the Nevada Division of Insurance offers on this Web page free, downloadable copies of homeowners’ insurance policy forms and mandatory amendatory endorsements offered by the 10 largest insurance groups writing homeowners’ insurance in Nevada. The 10 groups were identified on the basis of market share by direct written premium, using 2011 data from the National Association of Insurance Commissioners (NAIC) database (I-Site). Consumers may use this information as a starting point in their comparison-shopping for insurance products.

Disclaimers

  1. State Farm Group – 2011 Market Share: 20.07%  
  2. Zurich Insurance Group – 2011 Market Share: 17.87%  
  3. Allstate Insurance Group – 2011 Market Share: 12.68%  
  4. California State Auto Group – 2011 Market Share: 6.15%  
  5. United Services Automobile Association Group (USAA) – 2011 Market Share: 5.39%  
  6. Liberty Mutual Group – 2011 Market Share: 4.63%  
  7. Hartford Fire and Casualty Group – 2011 Market Share: 4.22%  
  8. Travelers Group – 2011 Market Share: 4.22%  
  9. American Family Insurance Group – 2011 Market Share: 4.04%  
  10. COUNTRY Insurance and Financial Services Group (COUNTRY Financial) – 2011 Market Share: 2.36%  

Disclaimers:

I. Only the policy forms and amendatory endorsements that an insurance company requires its policyholders to have are available on this page. Insurance companies may also have optional amendatory endorsements which the policyholder may select to broaden, narrow, or otherwise alter the coverage provided. These optional features are not listed here.
II. The policy documents on this page are presented for informational purposes only and are not intended to endorse, recommend, advertise, or comment on the quality of any particular insurer’s product in any manner, or to imply that the insurance products identified on this page are the only products available to consumers for this line of business. Consumers are encouraged to shop around to find companies and coverages that best suit their insurance needs.
III. The content of the insurance forms alone determines available coverages and exclusions. The number of mandatory forms used by an insurance company does not necessarily correspond with the extent of coverage, or the extent of coverage restrictions, in that company’s product. Furthermore, the number of an insurer’s mandatory forms is not an indicator of the content or degree of complexity of the insurance policy language. Consumers are encouraged to read their insurance policies carefully.
IV. The information displayed on this page is the most current information available and known to the Nevada Division of Insurance. While the Division makes its best effort to keep this documentation current and accurate, these documents should be considered informational references only and are not a guarantee that any specific insurance product will be available to any specific insurance consumer. Furthermore, this information does not convey any other guarantees, express or implied, to the consumer. This effort is a work in progress and, as such, may be periodically updated, enhanced, revised, and expanded in scope.

Forms by Group and Company

State Farm Group – 2011 Market Share: 20.07%

Company: State Farm Fire and Casualty Company – Open to New Business
Homeowners’ Policy Forms

Renters’ Policy Forms

Condominium Unitowners’ Policy Forms

Manufactured Home Policy Forms

Zurich Insurance Group – 2011 Market Share: 17.87%

Company: Farmers Insurance Exchange – Open to New Business
Homeowners’ Policy Forms – 1st Edition

Homeowners’ Policy Forms – 2nd Edition

Company: Fire Insurance Exchange – Legacy Only
Protector Plus Homeowners’ Policy Forms

Special Form Homeowners’ Policy Forms

Townhouse/Condominium Owners’ Policy Forms

Broad Form Renters’ Policy Forms

Allstate Insurance Group – 2011 Market Share: 12.68%

Company: Allstate Indemnity Company – Legacy Only
Standard Homeowners’ Policy Forms

Deluxe Homeowners’ Policy Forms

Deluxe Plus Homeowners’ Policy Forms

Standard Select Value Homeowners’ Policy Forms

Deluxe Select Value Homeowners’ Policy Forms

Company: Allstate Insurance Company – Legacy Only
Standard Homeowners’ Policy Forms

Deluxe Homeowners’ Policy Forms

Deluxe Plus Homeowners’ Policy Forms

Standard Select Value Homeowners’ Policy Forms

Deluxe Select Value Homeowners’ Policy Forms

Company: Allstate Property and Casualty Insurance Company – Open to New Business
Homeowners’ Policy Forms

Select Homeowners’ Policy Forms

Company: Encompass Home and Auto Insurance Company – Open to New Business
Elite Home Policy Forms

Deluxe Home Policy Forms

Special Home Policy Forms

Special Value Home Policy Forms

Dwelling Fire Policy Forms

California State Auto Group – 2011 Market Share: 6.15%

Company: AAA of Northern California, Nevada & Utah d.b.a. ACA Insurance Company d.b.a. CSAA Western United Insurance Company – Open to New Business
HO-3 Policy Forms

HO-4 Policy Forms

HO-5 Policy Forms

HO-6 Policy Forms

Dwelling Fire Policy Forms

United Services Automobile Association Group (USAA) – 2011 Market Share: 5.39%

Company: Garrison Property & Casualty Insurance Company – Open to New Business
Homeowners’ Policy Forms

Unit Owners’ Policy Forms

Preferred Protection Plan Policy Forms

Company: United Services Automobile Association – Open to New Business
Homeowners’ Policy Forms

Unit Owners’ Policy Forms

Preferred Protection Plan Policy Forms

Company: USAA Casualty Insurance Company – Open to New Business
Homeowners’ Policy Forms

Unit Owners’ Policy Forms

Preferred Protection Plan Policy Forms

Company: USAA General Indemnity Company – Open to New Business

Homeowners’ Policy Forms

Unit Owners’ Policy Forms

Preferred Protection Plan Policy Forms

Liberty Mutual Group – 2011 Market Share: 4.63%

Company: Safeco Insurance Company of America – Open to New Business

Homeowners’ Policy Forms

Renters’ Policy Forms

Condominium Policy Forms

Hartford Fire and Casualty Group – 2011 Market Share: 4.22%

Note: The Hartford Fire and Casualty Group provided the Division with all of its mandatory policy forms, as well as sample lists of policy forms by company. Below, an example of one homeowners’ or renters’ insurance program per company is offered – followed by a more general list of programs offered by The Hartford Fire and Casualty Group and the forms that may pertain to each program (depending on the company in which the program is written).

Companies: Hartford Fire Insurance Company – Open to New Business

Hartford Casualty Insurance Company – Legacy Only

HO-4 Policy Forms

Company: Hartford Underwriters Insurance Company – Legacy Only

HO-6 Policy Forms

Company: Property and Casualty Insurance Company of Hartford – Legacy Only

HO-3 Policy Forms

Companies: Sentinel Insurance Company, Ltd. – Legacy Only

Twin City Fire Insurance Company – Legacy Only

HO-3 Policy Forms

  • Forms HO 00 03 10 00, HO 04 27 04 02, HO 04 96 10 00, HW 01 26 07 07, HW 01 04 06 03, HW 01 03 06 03 and HW 05 81 06 12 above also apply.

Forms by Hartford Program:

HO-2 Policy Forms

HO-3 Policy Forms

HO-4 Policy Forms

HO-5 Policy Forms

  • HO 00 05 10 00: Comprehensive Form  
  • Forms HO 04 27 04 02, HO 04 56 10 00, HO 04 96 10 00, HO 05 30 10 00, HW 01 01 06 04, HW 01 03 06 03, HW 01 04 06 03, HW 01 26 07 07, and HW 05 44 04 05 above may also apply.

HO-6 Policy Forms

  • HO 00 06 10 00: Unit-Owners’ Form  
  • Forms HO 04 26 04 02, HO 04 28 04 02, HO 04 96 10 00, HW 01 02 06 03, HW 01 03 06 03, HW 01 04 06 03, HW 01 26 07 07, and HW 05 44 04 05 above may also apply.

Travelers Group – 2011 Market Share: 4.22%

Companies: The Travelers Home and Marine Insurance Company – Open to New Business

TravCo Insurance Company – Open to New Business

HO-3 Policy Forms

HO-4 Policy Forms

HO-6 Policy Forms

HV-3 Policy Forms

HV-6 Policy Forms

American Family Insurance Group – 2011 Market Share: 4.04%

Company: American Family Mutual Insurance Company – Open to New Business

HO-1 Policy Forms

HO-3 Policy Forms

HO-4 Policy Forms

HO-5 Policy Forms

HO-6 Policy Forms

CV-1 Policy Forms

CV-3 Policy Forms

MH-1 Policy Forms

MH-3 Policy Forms

Dwelling Property Basic Policy Forms (not available for new business)

Dwelling Property Broad Policy Forms (not available for new business)

COUNTRY Insurance and Financial Services Group (COUNTRY Financial) – 2011 Market Share: 2.28%

Company: COUNTRY Mutual Insurance Company - Open to New Business

Homeowners’ Policy Forms