Policy Forms Used by the 10 Largest Home Insurance Groups in Nevada
As an informational resource for consumers, the Nevada Division of Insurance offers on this Web page free, downloadable copies of home insurance policy forms and mandatory amendatory endorsements offered by the 10 largest insurance groups writing home insurance in Nevada. The 10 groups were identified on the basis of market share by direct written premium, using 2018 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.
- State Farm Group – 2018 Market Share: 19.79%
- Farmers Insurance Group – 2018 Market Share: 14.24%
- Allstate Insurance Group – 2018 Market Share: 9.81%
- Liberty Mutual Group – 2018 Market Share: 7.63%
- United Services Automobile Association Group (USAA) – 2018 Market Share: 6.48%
- American Family Insurance Group – 2018 Market Share: 6.03%
- Travelers Group – 2018 Market Share: 5.66%
- California State Auto Group – 2018 Market Share: 5.30%
- Hartford Fire and Casualty Group – 2018 Market Share: 2.98%
- Hartford Accident & Indemnity Company, Hartford Fire Insurance Company, Hartford Insurance Company of the Midwest, and Trumbull Insurance Company
- Hartford Casualty Insurance Company
- Hartford Underwriters Insurance Company
- Property and Casualty Insurance Company of Hartford
- Sentinel Insurance Company, Ltd. and Twin City Fire Insurance Company
- Forms by Hartford Program
- COUNTRY Insurance and Financial Services Group (COUNTRY Financial) – 2018 Market Share: 2.00%
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 – 2018 Market Share: 19.79%
Company: State Farm Fire and Casualty Company – Open to New Business
Homeowners’ Policy Forms
- FP-7955: Homeowners’ Policy
- FE-3503: Homeowners Policy Endorsement (Nevada)
- FE-2340: Amendatory Endorsement
- FE-3650: Actual Cash Value Endorsement
Renters’ Policy Forms
- FP-7954: Renters’ Policy
- FE-3505: Renters’ Policy Endorsement (Nevada)
- FE-2341: Amendatory Endorsement
Condominium Unitowners’ Policy Forms
- FP-7956: Condominium Unitowners’ Policy
- FE-3504: Condominium Unitowners’ Policy Endorsement (Nevada)
- FE-2340: Amendatory Endorsement
- FE-3650: Actual Cash Value Endorsement
Manufactured Home Policy Forms
- FP-7933.2: Manufactured Home Policy
- FE-7228: Amendatory Endorsement (Nevada)
- FE-2405: Manufactured Home Policy Endorsement
- FE-3650: Actual Cash Value Endorsement
- FE-5801: Mandatory Reporting Endorsement
- FE-6858: Registered Domestic Partner Endorsement
Farmers Insurance Group – 2018 Market Share: 14.24%
Company: Farmers Insurance Exchange – Open to New Business
Farmers Smart Plan Home – Open to New Business
- 56-5460, 1st Edition, 6-15: Farmers Smart Plan Home Policy Nevada
- NV037, 1st Edition, 11-17: Amendatory Endorsement - Nevada
Next Generation Homeowners’ Policy Forms – 1st Edition – Legacy Only
- 56-5544, 1st Edition: Farmers Next Generation Homeowners’ Policy
- NV006, 1st Edition: Amendatory Endorsement
- J6898, 1st Edition: Endorsement Amending General Conditions
Next Generation Homeowners’ Policy Forms – 2nd Edition – Legacy Only
- 56-5544, 2nd Edition: Farmers Next Generation Homeowners’ Policy
- NV032, 1st Edition - Farmers Next Generation Amendatory Endorsement - Nevada
- J6898, 1st Edition: Endorsement Amending General Conditions
Company: Fire Insurance Exchange – Open to New Business
Protector Plus Homeowners’ Policy Forms – Legacy Only
- 56-5274, 4th Edition: Your Protector Plus Homeowners’ Package Policy
- E4040, 1st Edition: Endorsement Amending Section II – Exclusions
- E6018, 2nd Edition: Amending Debris Removal Coverage and Pollution Exclusion
- E6008, 2nd Edition: Amending Personal Injury - Protector Plus
- E4207, 1st Edition: Endorsement Amending Section II – Liability
- S6711, 5th Edition: Endorsement Limiting Cancellation
- H6104, 2nd Edition: Amending Section I - Losses Not Insured - Water Damage
- J6180, 1st Edition: Endorsement Amending the Loss Settlement Provision
- H6106, 1st Edition: Special Limits on Sports Cards
- E6047, 2nd Edition: Extended Replacement Cost
- J6800, 1st Edition: Endorsement Regarding Reciprocal Provisions
- J6900, 1st Edition: Endorsement Amending General Conditions
- E6044, 3rd Edition: Building Ordinance or Law Coverage Endorsement
Special Form Homeowners’ Policy Forms – Legacy Only
- 56-5270, 4th Edition: Your Special Form Homeowners’ Policy
- H6221, 1st Edition: Endorsement Amending Section II - Exclusions
- J6800, 1st Edition: Endorsement Regarding Reciprocal Provisions
- E6044, 3rd Edition: Building Ordinance or Law Coverage Endorsement
- Forms E4040, E6018, E4207, S6711, H6104, H6106, and J6900 above also apply.
Townhouse/Condominium Owners’ Policy Forms – Open to New Business
- 56-5272, 4th Edition: Your Townhouse/Condominium Owners’ Policy
- E4041, 1st Edition: Endorsement Amending Section II – Exclusions
- H6209, 1st Edition: Amending Section I - Losses Not Insured - Water Damage
- E6007, 1st Edition: Amending Personal Injury - Your Townhouse & Condominium
- J6071, 1st Edition: Endorsement Amending Additional Coverages - Unit Owners Building Property
- J6800, 1st Edition: Endorsement Regarding Reciprocal Provisions
- Forms E6018, E4207, S6711, H6106, and J6900 above also apply.
Broad Form Renters’ Policy Forms – Open to New Business
- 56-5273, 4th Edition: Your Broad Form Renters’ Policy
- H6207, 1st Edition: Amending Section I - Losses Not Insured - Water Damage
- J6800, 1st Edition: Endorsement Regarding Reciprocal Provisions
- Forms E4041, E6018, E4207, S6711, H6106, and J6900 above also apply.
Company: Foremost Insurance Company Grand Rapids, MI – Open to New Business
Manufactured Home Insurance Program
- 4075 01/07: Homeowners' Insurance for Manufactured Homes: Policy
- 2440 03/16: Required Change - Nevada
Manufactured Home Insurance Program - Property Coverage Only
- 4076 01/07: Homeowners' Insurance for Manufactured Homes: Policy - Property Coverage Only
- 4679 03/16: Change - Nevada
Tenant Insurance Program
- 4069 01/07: Tenant Insurance Policy
- 4678 05/13: Tenant Change - Nevada
- 4678 03/16: Tenant Change - Nevada
Dwelling Fire Three Program - Owner-Occupied
Dwelling Fire Three Program - Landlord
Dwelling Fire One Program - Owner-Occupied
- 11000 03/06: Dwelling Fire One Policy - Owner-Occupied
- 11169 08/13: Required Change - Nevada
- 11010 05/10: Reduction in Coverage When Vacant or Unoccupied
Dwelling Fire One Program - Landlord
- 11001 03/06: Dwelling Fire One Policy - Landlord
- 11262 08/13: Required Change - Nevada
- 11010 05/10: Reduction in Coverage When Vacant or Unoccupied
Dwelling Fire One Program - Vacant or Unoccupied
Homeowners' ACV Program
- 35000 09/99: Foremost Classic ACV Homeowners' Policy
- 35108 03/14: Required Change - Nevada
- 35042 10/01: Mold, Mildew, or Other Fungi, Their Secretions, and Dry and Wet Rot
Homeowners' Program
- 5257 05/99: Foremost Classic CL Homeowners' Policy
- 4134 03/14: Required Change - Nevada
- 5895 08/08: Ordinance or Law
- 2988 10/01: Mold, Mildew, or Other Fungi, Their Secretions, and Dry and Wet Rot
Company: Foremost Property and Casualty Insurance Company – Open to New Business
Manufactured Home Insurance Program
- 4085 01/08: Homeowners' Insurance for Manufactured Homes: Policy
- 6135 03/16: Required Change - Nevada
Manufactured Home Insurance Program - Property Coverage Only
- 4086 01/08: Homeowners' Insurance for Manufactured Homes: Policy - Property Coverage Only
- 7627 03/16: Change - Nevada
Allstate Insurance Group – 2018 Market Share: 9.81%
Company: Allstate Vehicle and Property Insurance Company – Open to New Business
Company: Allstate Indemnity Company – Open to New Business
Renters' Policy Forms - Open to New Business
- AP786: Renters' Policy Jacket / Policy Form
- AP1294: Renters' Amendatory Endorsement
- AP2288: Nevada Amendatory Endorsement
- AP4558: Nevada Amendatory Endorsement
- AP4710: Amendment of Policy Provisions
Condominium Policy Forms - Open to New Business
- AS270: Condominium Owners' Policy Jacket / Policy Form
- AP4710: Amendment of Policy Provisions
- AS323: Nevada Condominium Owners' Policy Amendatory Endorsement
Standard Homeowners’ Policy Forms - Legacy Only
- AP783: Policy Jacket / Policy Form
- AP1291: Amendatory Endorsement
- AP2288: Nevada Amendatory Endorsement
- AP4558: Nevada Amendatory Endorsement
- AP4710: Amendatory Endorsement
Deluxe Homeowners’ Policy Forms - Legacy Only
- AP780: Policy Jacket / Policy Form
- AP1290: Amendatory Endorsement
- Forms AP2288, AP4558, and AP4710 above also apply.
Deluxe Plus Homeowners’ Policy Forms - Legacy Only
- AP782: Policy Jacket / Policy Form
- Forms AP1290, AP2288, AP4558, and AP4710 above also apply.
Standard Select Value Homeowners’ Policy Forms - Legacy Only
- AP785: Policy Jacket / Policy Form
- AP1292: Amendatory Endorsement
- Forms AP2288, AP4558, and AP4710 above also apply.
Deluxe Select Value Homeowners’ Policy Forms - Legacy Only
- AP784: Policy Jacket / Policy Form
- AP1293: Amendatory Endorsement
- Forms AP2288, AP4558, and AP4710 above also apply.
Company: Allstate Insurance Company – Legacy Only
Renters' Policy Forms
- AP5: Renters' Policy Jacket / Policy Form
- AP1294: Renters' Amendatory Endorsement
- AP2288: Nevada Amendatory Endorsement
- AP4558: Nevada Amendatory Endorsement
- AP4710: Amendment of Policy Provisions
Condominium Policy Forms
- AP7: Condominium Owners' Policy
- AP1267-1: Nevada Condominium Owners' Policy Amendatory Endorsement
- AP4710: Amendment of Policy Provisions
Standard Homeowners’ Policy Forms
- AP1: Policy Jacket / Policy Form
- Forms AP1291, AP2288, AP4558, and AP4710 above also apply.
Deluxe Homeowners’ Policy Forms
- AP2: Policy Jacket / Policy Form
- Forms AP1290, AP2288, AP4558, and AP4710 above also apply.
Deluxe Plus Homeowners’ Policy Forms
- AP337: Policy Jacket / Policy Form
- Forms AP1290, AP2288, AP4558, and AP4710 above also apply.
Standard Select Value Homeowners’ Policy Forms
- AP148: Policy Jacket / Policy Form
- Forms AP1292, AP2288, AP4558, and AP4710 above also apply.
Deluxe Select Value Homeowners’ Policy Forms
- AP149: Policy Jacket / Policy Form
- Forms AP1293, AP2288, AP4558, and AP4710 above also apply.
Company: Allstate Property and Casualty Insurance Company – Legacy Only
Homeowners’ Policy Forms
- APC220: Policy Jacket / Policy Form
- APC236: Nevada Amendatory Endorsement
- AP4560: Nevada Amendatory Endorsement
- Form AP4710 above also applies.
Select Homeowners’ Policy Forms
- APC221: Policy Jacket / Policy Form
- APC237: Nevada Amendatory Endorsement - Select Homeowners' Policy
- Forms AP4560 and AP4710 above also apply.
Company: Encompass Home and Auto Insurance Company – Open to New Business
Elite Home Policy Forms
- G1-74673A: Introduction
- G1-72262A: General Provisions
- G1-72263A: Elite Home Policy
- G1-74674A: Registered Domestic Partnership or Civil Union Endorsement
- G1-75429-A, Ed. 02-18: Amendment of Elite Home Provisions - Nevada
Deluxe Home Policy Forms
- G1-72264A: Deluxe Home Policy
- G1-75430-A, Ed. 02-18: Amendment of Deluxe Home Provisions - Nevada
- Forms G1-74673A, G1-72262A, and G1-74674A above also apply.
Special Home Policy Forms
- G1-72265A: Special Home Policy
- G1-75431-A, Ed. 02-18: Amendment of Special Home Provisions - Nevada
- Forms G1-74673A, G1-72262A, and G1-74674A above also apply.
Special Value Home Policy Forms
- G1-72616A: Special Value Policy
- G1-75432-A, Ed. 02-18: Amendment of Special Value Home Provisions - Nevada
- Forms G1-74673A, G1-72262A, and G1-74674A above also apply.
Dwelling Fire Policy Forms
- G1-72268A: Dwelling Fire Policy
- G1-75433-A, Ed. 02-18: Amendment of Dwelling Fire Provisions - Nevada
- Forms G1-74673A, G1-72262A, and G1-74674A above also apply.
Company: Encompass Indemnity Company – Legacy Only
- G1-74673-A, Ed. 11-09: Introduction
- G-18540-A, Ed. 09-93: General Provisions
- G1-74674-A, Ed. 11-09: Registered Domestic Partnership or Civil Union Endorsement
- G-18533-A, Ed. 09-93: Elite - Home
- G-18534-A, Ed. 09-93: Deluxe - Home
- G-18535-A, Ed. 09-93: Special - Home
- G-18542-A, Ed. 09-93: Dwelling Fire
- G1-71487-A, Ed. 10-05: Special Value - Home - Nevada
- G1-75432-A, Ed. 02-18: Amendment of Special Value Home Provisions - Nevada
- G1-75460-A, Ed. 02-18: Amendment of Elite Home Provisions - Nevada
- G1-75461-A, Ed. 02-18: Amendment of Deluxe Home Provisions - Nevada
- G1-75462-A, Ed. 02-18: Amendment of Special Home Provisions - Nevada
- G1-75463-A, Ed. 02-18: Amendment of Dwelling Fire Home Provisions - Nevada
Company: Encompass Insurance Company of America – Legacy Only
- G1-74673-A, Ed. 11-09: Introduction
- G-18540-A, Ed. 09-93: General Provisions
- G1-74674-A, Ed. 11-09: Registered Domestic Partnership or Civil Union Endorsement
- G-18533-A, Ed. 09-93: Elite - Home
- G-18534-A, Ed. 09-93: Deluxe - Home
- G-18535-A, Ed. 09-93: Special - Home
- G-18542-A, Ed. 09-93: Dwelling Fire
- G1-75460-A, Ed. 02-18: Amendment of Elite Home Provisions - Nevada
- G1-75461-A, Ed. 02-18: Amendment of Deluxe Home Provisions - Nevada
- G1-75462-A, Ed. 02-18: Amendment of Special Home Provisions - Nevada
- G1-75463-A, Ed. 02-18: Amendment of Dwelling Fire Home Provisions - Nevada
Company: Esurance Insurance Company – Open to New Business
- H100000 CW 07 14: Personal Homeowners' Policy
- H200000 NV 07 14: Nevada Amendatory Endorsement
- HN120000 NV 07 14: Renewal Terms and Conditions Agreement
- H150000 NV 02 16: Homeowners' Insurance Application – Online
- H150100 NV 02 16: Homeowners' Insurance Application – Print
Liberty Mutual Group – 2018 Market Share: 7.63%
Company: Safeco Insurance Company of America – Open to New Business
Homeowners’ Policy Forms
- HOM-7030/EP 1/09: Safeco Homeowners’ Policy
- HOM-7100/NVEP 2/09: Special Provisions – Nevada (Homeowners)
Renters’ Policy Forms
Condominium Policy Forms
- CHO-6088/EP 1/00: Quality-Plus Condominium Policy
- CHO-6188/NVEP 2/03: Nevada Special Provisions (Condominium)
Companies: Liberty Insurance Corporation – Open to New Business
LM Insurance Corporation – Open to New Business
H3 Policy Forms (Homeowners)
- FMHO 943 (ED. 11-96): LibertyGuard Deluxe Homeowners’ Policy
- PMKT 624 05 11: Important Notice Regarding Your Homeowner's Policy
- FMHO 3370 11 12: Amendatory Mold, Fungus, Wet Rot, Dry Rot, Bacteria, or Virus Endorsement
- FMHO 3391 11 12: Seepage Exclusion Endorsement
- FMHO 2835 (Ed. 11/03): Inflation Protection Endorsement
- HO 04 96 04 91: No Section II - Liability Coverages for Home Day Care Business; Limited Section I - Property Coverages for Home Day Care Business
- FMHO 976 (Ed. 5-92): Lead Poisoning Exclusion Endorsement
- FMHO 1097 (Ed. 1-97): Underground Fuel Storage Tank Exclusion
- FMHO 2934 (Ed. 7/04): Homeowner Amendatory Endorsement
- FMHO 2155: Amendment to Cancellation Provisions
- HO 04 53 04 91: Credit Card, Fund Transfer Card, Forgery and Counterfeit Money Coverage
- FMHO 6100NV 08 16: Special Provisions - Nevada
H4 Policy Forms (Tenants)
- FMHO 954 (ED. 11-96): LibertyGuard Tenants' Policy
- FMHO 3371 11 12: Amendatory Mold, Fungus, Wet Rot, Dry Rot, Bacteria, or Virus Endorsement
- FMHO 660 (Ed. 9/82): Inflation Protection Endorsement
- FMHO 6100NV 08 16: Special Provisions - Nevada
- Forms HO 04 96 04 91, FMHO 976 (Ed. 5-92), FMHO 1097 01/97, FMHO 2934 (7/04), FMHO-2155, and HO 04 53 04 91 above also apply.
H6 Policy Forms (Condominium)
- FMHO 936 (ED. 11-96): LibertyGuard Condominium Policy
- FMHO 3372 11 12: Amendatory Mold, Fungus, Wet Rot, Dry Rot, Bacteria, or Virus Endorsement
- FMHO 3392 11 12: Seepage Exclusion Endorsement
- FMHO 6100NV 08 16: Special Provisions - Nevada
- Forms FMHO 660 (Ed. 9/82), HO 04 96 04 91, FMHO 976 (Ed. 5-92), FMHO 1097 01/97, FMHO 2934 (7/04), FMHO-2155, and HO 04 53 04 91 above also apply.
Company: Liberty Mutual Fire Insurance Company - Legacy Only
H3 Policy Forms (Homeowners)
- FMHO 2260 05 11: Important Notice Regarding Your Homeowner's Policy
- Form PMKT 624 05 11 above does not apply.
- Otherwise, the forms are the same as the H3 Policy Forms for Liberty Insurance Corporation and LM Insurance Corporation.
H4 Policy Forms (Tenants)
- FMHO 2260 05 11: Important Notice Regarding Your Homeowner's Policy
- Otherwise, the forms are the same as the H4 Policy Forms for Liberty Insurance Corporation and LM Insurance Corporation.
H6 Policy Forms (Condominium)
- FMHO 2260 05 11: Important Notice Regarding Your Homeowner's Policy
- Otherwise, the forms are the same as the H6 Policy Forms for Liberty Insurance Corporation and LM Insurance Corporation.
United Services Automobile Association Group (USAA) – 2018 Market Share: 6.48%
Company: Garrison Property & Casualty Insurance Company – Open to New Business
Homeowners’ Policy Forms
- HO-3R(02)(07-08): Homeowners’ Special Form
- QR3GAR(07-08): Quick Reference – Special Form GAR
- HO-NV(08-16): Nevada Special Provisions
- HO-ACP (07-12): Amendment of Contract Provisions
- HO-208 (07-12): Water Backup or Sump Pump Overflow
- HO-728 (07-12): Replacement Cost Coverage – Personal Property
- HO-WDSM (06-16): Wildfire Response Program
- HO-SLS3(02)(07-08): Special Loss Settlement (HO-3R Only)
Unit Owners’ Policy Forms
- HO-6R(02)(07-08): Unit Owners’ Form
- QR6GAR(02)(07-08): Quick Reference – Unit Owners’ Form GAR
- HO-32(04) (07-16): Unit-Owners' Coverage A
- HO-SLS6(02)(07-08): Special Loss Settlement (HO-6R Only)
- Forms HO-NV(08-16), HO-ACP (07-12), HO-208 (07-12), and HO-728 (07-12) above also apply.
Preferred Protection Plan Policy Forms
- HO-9R(02)(07-08): Homeowners’ Preferred Protection Plan Form
- QR9GAR(07-08): Quick Reference – Preferred Protection Plan Form GAR
- HO-WDSM (06-16): Wildfire Response Program
- HO-SLS9(02)(07-08): Special Loss Settlement (HO-9R Only)
- Form HO-NV(08-16), HO-ACP (07-12), and HO-208 (07-12) above also apply.
Company: United Services Automobile Association – Open to New Business
Homeowners’ Policy Forms
- QR3(02)(07-08): Quick Reference – Special Form
- HO-WDSM (06-16): Wildfire Response Program
- Forms HO3-R(02)(07-08), HO-SLS3(02)(07-08), HO-NV(08-16), HO-ACP (07-12), HO-208 (07-12), and HO-728 (07-12) above also apply.
Unit Owners’ Policy Forms
- QR6(03)(07-08): Quick Reference – Unit Owners’ Form
- Forms HO6-R(02)(07-08), HO-SLS6(02)(07-08), HO-NV(08-16), HO-ACP (07-12), HO-208 (07-12), HO-728 (07-12), and HO-32(04) (07-16) above also apply.
Preferred Protection Plan Policy Forms
- QR9(02)(07-08): Quick Reference – Preferred Protection Plan Form
- HO-WDSM (06-16): Wildfire Response Program
- Forms HO9-R(02)(07-08), HO-SLS9(02)(07-08), HO-NV(08-16), HO-ACP (07-12), and HO-208 (07-12) above also apply.
Company: USAA Casualty Insurance Company – Open to New Business
Homeowners’ Policy Forms
- QR3CIC(07-08): Quick Reference – Special Form CIC
- HO-WDSM (06-16): Wildfire Response Program
- Forms HO3-R(02)(07-08), HO-SLS3(02)(07-08), HO-NV(08-16), HO-ACP (07-12), HO-208 (07-12), and HO-728 (07-12) above also apply.
Unit Owners’ Policy Forms
- QR6CIC(07-08): Quick Reference – Unit Owners’ Form CIC
- Forms HO6-R(02)(07-08), HO-SLS6(02)(07-08), HO-NV(08-16), HO-ACP (07-12), HO-208 (07-12), HO-728 (07-12), and HO-32(04) (07-16) above also apply.
Preferred Protection Plan Policy Forms
- QR9CIC (07-08): Quick Reference – Preferred Protection Plan Form CIC
- HO-WDSM (06-16): Wildfire Response Program
- Forms HO9-R(02)(07-08), HO-SLS9(02)(07-08), HO-NV(08-16), HO-ACP (07-12), and HO-208 (07-12) above also apply.
Company: USAA General Indemnity Company – Open to New Business
Homeowners’ Policy Forms
- QR3GIC(07-08): Quick Reference – Special Form GIC
- HO-WDSM (06-16): Wildfire Response Program
- Forms HO3-R(02)(07-08), HO-SLS3(02)(07-08), HO-NV(08-16), HO-ACP (07-12), HO-208 (07-12), and HO-728 (07-12) above also apply.
Unit Owners’ Policy Forms
- QR6GIC(02)(07-08): Quick Reference – Unit Owners’ Form GIC
- Forms HO6-R(02)(07-08), HO-SLS6(02)(07-08), HO-NV(08-16), HO-ACP (07-12), HO-208 (07-12), HO-728 (07-12), and HO-32(04) (07-16) above also apply.
Preferred Protection Plan Policy Forms
- QR9GIC (07-08): Quick Reference – Preferred Protection Plan Form GIC
- HO-WDSM (06-16): Wildfire Response Program
- Forms HO9-R(02)(07-08), HO-SLS9(02)(07-08), HO-NV(08-16), HO-ACP (07-12), and HO-208 (07-12) above also apply.
American Family Insurance Group – 2018 Market Share: 6.03%
Company: American Family Insurance Company – Open to New Business
Homeowners' Policy Forms
- HO 80 03 01 14: Homeowners' Form
- HO 81 35 01 15: Nevada Amendatory Endorsement
- HO 84 16 01 14: Ordinance or Law Coverage
- HO 85 07 09 17: Marijuana Growing and Processing Exclusion
- HO 86 03 01 15: Dangerous Dog and Exotic Animal Liability Limit
- HO 88 02 01 14: Roof Surface Payment Schedule
- AL 00 04 05 17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
Manufactured Homeowners' Policy Forms
- MH 80 03 01 14: Manufactured Homeowners' Form
- HO 81 35 01 15: Nevada Amendatory Endorsement
- HO 84 16 01 14: Ordinance or Law Coverage
- HO 85 07 09 17: Marijuana Growing and Processing Exclusion
- HO 86 03 01 15: Dangerous Dog and Exotic Animal Liability Limit
- HO 88 02 01 14: Roof Surface Payment Schedule
- AL 00 04 05 17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
Condominium Unit-Owners' Policy Forms
- HO 80 06 01 14: Condominium Unit-Owners' Form
- HO 81 35 01 15: Nevada Amendatory Endorsement
- HO 84 16 01 14: Ordinance or Law Coverage
- HO 85 07 09 17: Marijuana Growing and Processing Exclusion
- HO 86 03 01 15: Dangerous Dog and Exotic Animal Liability Limit
- AL 00 04 05 17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
Renters' Policy Forms
- HO 80 04 01 14: Renters' Form
- HO 81 35 01 15: Nevada Amendatory Endorsement
- HO 85 07 09 17: Marijuana Growing and Processing Exclusion
- HO 86 03 01 15: Dangerous Dog and Exotic Animal Liability Limit
- AL 00 04 05 17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
Company: American Family Mutual Insurance Company, S.I. – Legacy Only
HO-1 Policy Forms
- HO-1 (NV) Ed. 6/94: Nevada Homeowners’ Policy – Basic Form 1
- End. 584D(NV) Ed. 3/13 Nevada Amendatory Homeowners' Endorsement
- End. 595 Ed. 6/02: Fungi or Bacteria Exclusion Endorsement
- End. 10-4 Ed. 5/17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
HO-3 Policy Forms
- HO-3 (NV) Ed. 6/94: Nevada Homeowners’ Policy – Special Form 3
- Forms End. 584D(NV) Ed. 3/13 and End. 595 Ed. 6/02 above also apply.
- End. 10-4 Ed. 5/17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
HO-4 Policy Forms
- HO-4 (NV) Ed. 6/94: Nevada Homeowners’ Policy – Renters’ Broad Form 4
- End. 10-4 Ed. 5/17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
- Forms End. 584D(NV) Ed. 3/13 and End. 595 Ed. 6/02 above also apply.
HO-5 Policy Forms
- HO-5 (NV) Ed. 6/94: Nevada Homeowners’ Policy – Gold Star Special Deluxe Form
- End. 587 Ed. 10/99: Gold Star Homeowners’ Amendatory Endorsement
- End. 10-4 Ed. 5/17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
- Forms End. 584D(NV) Ed. 3/13 and End. 595 Ed. 6/02 above also apply.
HO-6 Policy Forms
- HO-6 (NV) Ed. 6/94: Nevada Homeowners’ Policy – Condo-Unit Form 6
- End. 422 Ed. 10/06: Amendatory Homeowners’ Condo Endorsement
- End. 10-4 Ed. 5/17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
- Forms End. 584D(NV) Ed. 3/13 and End. 595 Ed. 6/02 above also apply.
CV-1 Policy Forms
- CV-1 (NV) Ed. 6/94: Nevada Custom Value Homeowners’ Policy – Basic Form 1
- End. 10-4 Ed. 5/17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
- Forms End. 584D(NV) Ed. 3/13 and End. 595 Ed. 6/02 above also apply.
CV-3 Policy Forms
- CV-3 (NV) Ed. 6/94: Nevada Custom Value Homeowners’ Policy – Special Form 3
- End. 10-4 Ed. 5/17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
- Forms End. 584D(NV) Ed. 3/13 and End. 595 Ed. 6/02 above also apply.
MH-1 Policy Forms
- MH-1 Ed. 6-15: Mobile Homeowners’ Policy – Basic Form 1
- End. 578B(NV) Ed. 3/13 Nevada Amendatory Mobile Homeowners' Endorsement
- End. 10-4 Ed. 5/17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
- Form End. 595 Ed. 6/02 above also applies.
MH-3 Policy Forms
- MH-3 Ed. 6-15: Mobile Homeowners’ Policy – Special Form 3
- End. 10-4 Ed. 5/17: American Family Mutual Insurance Company, S.I. Amendatory Endorsement
- Forms End. 578B(NV) Ed. 3/13 and End. 595 Ed. 6/02 above also apply.
Company: Homesite Insurance Company – Open to New Business
- HO 00 03 05 11: Homeowners 3 – Special Form
- HA 01 27 NV 04 15: Special Provisions – Nevada
- HA 80 66 GE 08 14: Diminishing Deductible Credit
Company: Homesite Indemnity Company – Open to New Business
HO3 Policy Forms
HO4 Policy Forms
HO6 Policy Forms
Travelers Group – 2018 Market Share: 5.66%
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
California State Auto Group – 2018 Market Share: 5.30%
Company: CSAA General Insurance Company – Open to New Business
HO-3 Policy Forms
- HO 00 03 10 00: Homeowners’ Policy Special Form
- HO 04 27 09 05: Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage
- HO 24 82 04 02: Personal Injury
- HO 24 96 10 00: Exclusion of Farm Employees Illegally Employed
- HS AE3 NV 07 18: Amendatory Endorsement – Nevada – Homeowners
- HW 09 15 10 04: Vicious Dogs and Dogs With Prior Bite History Liability Exclusion
- HW A3 00 11 09: Homeowners 3 – Special Form Amendatory Endorsement
- IL N 001 09 03: Fraud Statement
HO-4 Policy Forms
- HO 00 04 10 00: Homeowners’ Policy Contents Broad Form
- HO 04 26 04 02: Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage
- HS AE4 NV 07 18: Amendatory Endorsement – Nevada – Renters
- HW A4 00 11 09: Homeowners 4 – Broad Form Amendatory Endorsement
- Forms HO 24 82 04 02, HW 09 15 10 04, and IL N 001 09 03 above also apply.
HO-5 Policy Forms
- HO 00 05 10 00: Homeowners’ Policy Comprehensive Form
- HW A5 00 11 09: Homeowners 5 – Comprehensive Form Amendatory Endorsement
- Forms HO 04 27 09 05, HO 24 82 04 02, HO 24 96 10 00, HW 09 15 10 04, and IL N 001 09 03 above also apply.
HO-6 Policy Forms
- HO 00 06 10 00: Homeowners’ Policy Unit-Owners’ Form
- HS AE6 NV 07 18: Amendatory Endorsement – Nevada – Condominium Owners
- HW A6 00 11 09: Homeowners 6 – Unit-Owners’ Form
- Forms HO 24 82 04 02, HW 09 15 10 04, and IL N 001 09 03 above also apply.
Dwelling Fire Policy Forms
- DP 00 03 12 02: Dwelling Fire Policy - Special Form (Section I)
- DL 24 01 12 02: Dwelling Fire Policy - Special Form (Section II)
- DL 24 02 12 02: Personal Liability Additional Policy Conditions
- DL 01 27 03 04: Special Provisions – Nevada
- DL 25 27 03 04: Special Provisions – Nevada
- DL 24 11 12 02: Premises Liability
- DW AE 03 11 09: Section I Dwelling Property 3 – Special Form Amendatory Endorsement
- DS AE NV 07 18: Amendatory Endorsement – Nevada – Rental Property
- Form IL N 001 09 03 above also applies.
Hartford Fire and Casualty Group – 2018 Market Share: 2.98%
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 Accident & Indemnity Company – Open to New Business
Hartford Fire Insurance Company – Open to New Business
Hartford Insurance Company of the Midwest – Open to New Business
Trumbull Insurance Company – Open to New Business
- HO 00 03 10 00: Special Form
- HW 01 01 06 03: Lifetime Continuation Agreement
- HW 05 80 12 10: ProtectorPlus Zero Deductible
- HO 04 96 10 00: No Section II Liability Coverages for Home Day Care Business, Limited Section I Property Coverages for Home Day Care Business
- HW 01 26 07 07: Special Provisions – Nevada
- HW 01 04 06 03: Homeowners’ Policy Pollution Exclusion
- HW 01 03 06 03: Amendatory Endorsement – Specifically Excepted Perils
- HO 04 27 04 02: Limited Fungi, Wet or Dry Rot, Bacteria Coverage HO0003/HO0005
Companies: Hartford Fire Insurance Company – Open to New Business
Hartford Casualty Insurance Company – Legacy Only
HO-4 Policy Forms
- HO 00 04 10 00: Tenants’ Form
- HW 01 04 06 03: Homeowners’ Policy Pollution Exclusion
- HW 01 03 06 03: Amendatory Endorsement – Specifically Excepted Perils
- HO 04 96 10 00: No Section II Liability Coverages for Home Day Care Business, Limited Section I Property Coverages for Home Day Care Business
- HW 01 26 07 07: Special Provisions – Nevada
- HW 05 81 06 12: Valuable Items Blanket Coverage
Company: Hartford Underwriters Insurance Company – Legacy Only
HO-6 Policy Forms
- HO 00 06 10 00: Unit-Owners’ Form
- HW 05 44 02 15: ProtectorPLUS Zero Deductible
- HW 01 02 06 03: Lifetime Continuation Agreement HO4 & HO6
- Forms HO 04 96 10 00, HW 01 26 07 07, HW 01 04 06 03, and HW 01 03 06 03 above also apply.
Company: Property and Casualty Insurance Company of Hartford – Legacy Only
HO-3 Policy Forms
- HO 00 03 10 00: Special Form
- HW 01 01 06 03: Lifetime Continuation Agreement
- HW 05 44 02 15: ProtectorPLUS Zero Deductible
- Forms 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.
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.
HO-2 Policy Forms
- HO 00 02 10 00: Broad Form
- HO 04 56 10 00: Special Loss Settlement
- HO 04 96 10 00: No Section II Liability Coverages for Home Day Care Business, Limited Section I Property Coverages for Home Day Care Business
- HW 01 01 06 03: Lifetime Continuation Agreement
- HW 01 03 06 03: Amendatory Endorsement – Specifically Excepted Perils
- HW 01 04 06 03: Homeowners’ Policy Pollution Exclusion
- HW 01 26 07 07: Special Provisions – Nevada
- HW 05 44 02 15: ProtectorPLUS Zero Deductible
HO-3 Policy Forms
- HO 00 03 10 00: Special Form
- HO 04 27 04 02: Limited Fungi, Wet or Dry Rot, Bacteria Coverage HO0003/HO0005
- Forms HO 04 56 10 00, HO 04 96 10 00, HW 01 01 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.
HO-4 Policy Forms
- HO 00 04 10 00: Tenants’ Form
- HO 04 28 04 02: Fungi, Wet or Dry Rot, Bacteria Coverage HO 00 04 with HO 05 24 and HO 00 06 with HO 17 31, HO 17 32, HW 04 10, or HW 04 29
- HW 01 02 06 03: Lifetime Continuation Agreement HO4 & HO6
- Forms HO 04 26 04 02, HO 04 96 10 00, 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-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, HW 01 01 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.
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.
COUNTRY Insurance and Financial Services Group (COUNTRY Financial) – 2018 Market Share: 2.00%
Company: COUNTRY Mutual Insurance Company - Open to New Business
Homeowners’ Policy Forms