Policy Forms Used by the Top 10 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 top 10 insurance groups writing homeowners’ insurance in Nevada. The top 10 groups were identified on the basis of market share by direct written premium, using 2010 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.
1. State Farm Group – 2010 Market Share: 19.43%
- State Farm Fire and Casualty Company
2. Zurich Insurance Group – 2010 Market Share: 18.72%
- Fire Insurance Exchange and Mid-Century Insurance Company
3. Allstate Insurance Group – 2010 Market Share: 13.00%
- Allstate Property and Casualty Insurance Company
- Encompass Home and Auto Insurance Company
4. California State Auto Group – 2010 Market Share: 6.06%
5. United Services Automobile Association Group (USAA) – 2010 Market Share: 4.92%
- Garrison Property & Casualty Insurance Company
- United Services Automobile Association
- USAA Casualty Insurance Company
- USAA General Indemnity Company
6. Hartford Fire and Casualty Group – 2010 Market Share: 4.73%
- Hartford Fire Insurance Company and 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
7. Liberty Mutual Group – 2010 Market Share: 4.46%
- Safeco Insurance Company of America
- First National Insurance Company of America and General Insurance Company of America
8. American Family Insurance Group – 2010 Market Share: 4.40%
- American Family Mutual Insurance Company
9. Travelers Group – 2010 Market Share: 4.00%
- The Travelers Home and Marine Insurance Company and TravCo Insurance Company
10. COUNTRY Insurance and Financial Services Group (COUNTRY Financial) – 2010 Market Share: 2.36%
- COUNTRY Mutual Insurance Company
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
1. State Farm Group – 2010 Market Share: 19.43%
Company: State Farm Fire and Casualty Company
* Homeowners’ Policy Forms
- FP-7955: Homeowners’ Policy
- FE-2228: Amendatory Endorsement
- FE-5398: Fungus (Including Mold) Exclusion Endorsement
- FE-5452: Motor Vehicle Endorsement
- FE-5480: Amendatory Debris Removal Endorsement
- FE-5801: Mandatory Reporting Endorsement
- FE-5831: Telecommuter Coverage Endorsement
- FE-6858: Registered Domestic Partnership Endorsement
* Renters’ Policy Forms
- FE-5399: Fungus (Including Mold) Exclusion Endorsement
- Forms FE-2228, FE-5320, FE-5452, FE-5480, FE-5801, FE-5831, and FE-6858 above also apply.
* Condominium Unitowners’ Policy Forms
- FP-7956: Condominium Unitowners’ Policy
- FE-5310: Unitowner Property Amendatory Endorsement
- FE 5485: Coverage D – Loss Assessment Endorsement
- Forms FE-2228, FE-5320, FE-5398, FE-5452, FE-5480, FE-5801, FE-5831, and FE-6858 above also apply.
* Manufactured Home Policy Forms
- FP-7933.2: Manufactured Home Policy
- FE-7228: Amendatory Endorsement
- Forms FE-5801 and FE-6858 above also apply.
2. Zurich Insurance Group – 2010 Market Share: 18.72%
Company: Farmers Insurance Exchange
* Homeowners’ Policy Forms – 1st Edition
- 56-5544, 1st Edition: Farmers Next Generation Homeowners’ Policy
- NV006, 1st Edition: Amendatory Endorsement
* Homeowners’ Policy Forms – 2nd Edition
- 56-5544, 2nd Edition: Farmers Next Generation Homeowners’ Policy
Companies: Fire Insurance Exchange and Mid-Century Insurance Company
* Protector Plus Homeowners’ Policy Forms
- 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
* Special Form Homeowners’ Policy Forms
- 56-5270, 4th Edition: Your Special Form Homeowners’ Policy
- H6221, 1st Edition: Endorsement Amending Section II - Exclusions
- Forms E4040, E6018, E4207, S6711, H6104, and H6106 above also apply.
* Townhouse/Condominium Owners’ Policy Forms
- 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
- Forms E6018, E4207, S6711, H6106, and H6221 above also apply.
* Broad Form Renters’ Policy Forms
- 56-5273, 4th Edition: Your Broad Form Renters’ Policy
- H6207, 1st Edition: Amending Section I - Losses Not Insured - Water Damage
- Forms E4041, E6018, E4207, S6711, and H6106 above also apply.
3. Allstate Insurance Group – 2010 Market Share: 13.00%
Company: Allstate Indemnity Company
* Standard Homeowners’ Policy Forms
- AP783: Policy Jacket / Policy Form
- AP1291: Amendatory Endorsement
- AP2288: Nevada Amendatory Endorsement
- AP4558: Nevada Amendatory Endorsement
- AP4710: Amendatory Endorsement
* Deluxe Homeowners’ Policy Forms
- AP780: Policy Jacket / Policy Form
- AP1290: Amendatory Endorsement
- Forms AP2288, AP4558, and AP4710 above also apply.
* Deluxe Plus Homeowners’ Policy Forms
- AP782: Policy Jacket / Policy Form
- Forms AP1290, AP2288, AP4558, and AP4710 above also apply.
* Standard Select Value Homeowners’ Policy Forms
- AP785: Policy Jacket / Policy Form
- AP1292: Amendatory Endorsement
- Forms AP2288, AP4558, and AP4710 above also apply.
* Deluxe Select Value Homeowners’ Policy Forms
- AP784: Policy Jacket / Policy Form
- AP1293: Amendatory Endorsement
- Forms AP2288, AP4558, and AP4710 above also apply.
Company: Allstate Insurance Company
* 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
* 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
- Forms APC236, AP4560, and AP4710 above also apply.
Company: Encompass Home and Auto Insurance Company
* Elite Home Policy Forms
- G172262A: General Provisions
- G172233A: Transitional Elite
- G172234A: Pollution Exclusion
* Deluxe Home Policy Forms
- G172264A: Deluxe Home Policy
- G172232A: Transitional Deluxe
- Forms G18538A, G172262A, and G172619A above also apply.
* Special Value Home Policy Forms
- G172616A: Special Value Policy
- Forms G18538A, G172262A, and G172619A above also apply.
* Dwelling Fire Policy Forms
- G172268A: Dwelling Fire Policy
- Forms G18538A, G172262A, and G172619A above also apply.
4. California State Auto Group – 2010 Market Share: 6.06%
Company: AAA of Northern California, Nevada & Utah d.b.a. ACA Insurance Company d.b.a. CSAA Western United Insurance Company
* HO-3 Policy Forms
- HO 00 03 10 00: Homeowners’ Policy Special Form
- HO 04 27 09 06: 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
- 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
- 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 06, 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
- HW A6 00 11 09: Homeowners 6 – Unit-Owners’ Form
- Forms HO 04 24 04 02, 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
- Form IL N 001 09 03 above also applies.
5. United Services Automobile Association Group (USAA) – 2010 Market Share: 4.92%
Company: Garrison Property & Casualty Insurance Company
* Homeowners’ Policy Forms
- HO-3R(02)(07-08): Homeowners’ Special Form
- QR3GAR(07-08): Quick Reference – Special Form GAR
- HO-NV(02-10): Nevada Special Provisions
* Unit Owners’ Policy Forms
- HO-6R(02)(07-08): Unit Owners’ Form
- QR6GAR(02)(07-08): Quick Reference – Unit Owners’ Form GAR
- Form HO-NV(02-10) above also applies.
* 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
- Form HO-NV(02-10) above also applies.
Company: United Services Automobile Association
* Homeowners’ Policy Forms
- QR3(02)(07-08): Quick Reference – Special Form
- Forms HO3-R(02)(07-08) and HO-NV(02-10) above also apply.
* Unit Owners’ Policy Forms
- QR6(03)(07-08): Quick Reference – Unit Owners’ Form
- Forms HO6-R(02)(07-08) and HO-NV(02-10) above also apply.
* Preferred Protection Plan Policy Forms
- QR9(02)(07-08): Quick Reference – Preferred Protection Plan Form
- Forms HO9-R(02)(07-08) and HO-NV(02-10) above also apply.
Company: USAA Casualty Insurance Company
* Homeowners’ Policy Forms
- QR3CIC(07-08): Quick Reference – Special Form CIC
- Forms HO3-R(02)(07-08) and HO-NV(02-10) above also apply.
* Unit Owners’ Policy Forms
- QR6CIC(07-08): Quick Reference – Unit Owners’ Form CIC
- Forms HO6-R(02)(07-08) and HO-NV(02-10) above also apply.
* Preferred Protection Plan Policy Forms
- QR9CIC(02)(07-08): Quick Reference – Preferred Protection Plan Form CIC
- Forms HO9-R(02)(07-08) and HO-NV(02-10) above also apply.
Company: USAA General Indemnity Company
* Homeowners’ Policy Forms
- QR3GIC(07-08): Quick Reference – Special Form GIC
- Forms HO3-R(02)(07-08) and HO-NV(02-10) above also apply.
* Unit Owners’ Policy Forms
- QR6GIC(02)(07-08): Quick Reference – Unit Owners’ Form GIC
- Forms HO6-R(02)(07-08) and HO-NV(02-10) above also apply.
* Preferred Protection Plan Policy Forms
- QR9GIC(02)(07-08): Quick Reference – Preferred Protection Plan Form GIC
- Forms HO9-R(02)(07-08) and HO-NV(02-10) above also apply.
6. Hartford Fire and Casualty Group – 2010 Market Share: 4.73%
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, Hartford Casualty Insurance Company
* 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
- HW 01 26 07 07: Special Provisions – Nevada
- HO 04 26 04 02: Limited Fungi, Wet or Dry Rot, Bacteria Coverage Except HO0003/HO0005
Company: Hartford Underwriters Insurance Company
* HO-6 Policy Forms
- HO 00 06 10 00: Unit-Owners’ Form
- HW 05 44 04 05: 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
* 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
- HW 01 01 06 03: Lifetime Continuation Agreement
- Forms HW 05 44 04 05, HO 04 96 10 00, HW 01 26 07 07, HW 01 04 06 03, and HW 01 03 06 03 above also apply.
Companies: Sentinel Insurance Company, Ltd., Twin City Fire Insurance Company
* 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, and HW 01 03 06 03 above apply.
* HO-2 Policy Forms
- HO 04 26 04 02: Limited Fungi, Wet or Dry Rot, Bacteria Coverage Except HO0003/HO0005
- HO 04 56 10 00: Special Loss Settlement
- HO 05 30 10 00: Functional Replacement Cost Loss Settlement
- 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 04 05: 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, 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-4 Policy Forms
- HO 00 04 10 00: Tenants’ Form
- 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, 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.
7. Liberty Mutual Group – 2010 Market Share: 4.46%
Company: Safeco Insurance Company of America
* Homeowners’ Policy Forms
- HOM-7030/EP 1/09: Safeco Homeowners’ Policy
- HOM-7100/NVEP 2/09: Special Provisions – Nevada (Homeowners)
* Renters’ Policy Forms
- CHO-6004/EP 1/00: Safeco Renters’ Policy
- CHO-6104/NVEP 2/03: Nevada Special Provisions (Renters)
* Condominium Policy Forms
- CHO-6088/EP 1/00: Quality-Plus Condominium Policy
- CHO-6188/NVEP 2/03: Nevada Special Provisions (Condominium)
Companies: First National Insurance Company of America, General Insurance Company of America
* Renters’ Policy Forms
- Same forms apply as for Safeco Insurance Company of America .
* Condominium Policy Forms
- Same forms apply as for Safeco Insurance Company of America .
8. American Family Insurance Group – 2010 Market Share: 4.40%
Company: American Family Mutual Insurance Company
* HO-1 Policy Forms
- HO-1 (NV) Ed. 6/94: Nevada Homeowners’ Policy – Basic Form 1
- End. 584C(NV) Ed. 11/09: Nevada Amendatory Homeowners’ Endorsement
- End. 595 Ed. 6/02: Fungi or Bacteria Exclusion Endorsement
* HO-3 Policy Forms
- HO-3 (NV) Ed. 6/94: Nevada Homeowners’ Policy – Special Form 3
- Forms End. 584C(NV) Ed. 11/09 and End. 595 Ed. 6/02 above also apply.
* HO-4 Policy Forms
- HO-4 (NV) Ed. 6/94: Nevada Homeowners’ Policy – Renters’ Broad Form 4
- Forms End. 584C(NV) Ed. 11/09 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
- Forms End. 584C(NV) Ed. 11/09 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
- Forms End. 584C(NV) Ed. 11/09 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
- Forms End. 584C(NV) Ed. 11/09 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
- Forms End. 584C(NV) Ed. 11/09 and End. 595 Ed. 6/02 above also apply.
* MH-1 Policy Forms
- MH-1 Ed. 1/86, Rev. 1/09: Mobile Homeowners’ Policy – Basic Form 1
- End. 578 (NV) Ed. 10/06: Nevada Amendatory Mobile Homeowners’ Endorsement
- Form End. 595 Ed. 6/02 above also applies.
* MH-3 Policy Forms
- MH-3 Ed. 1/86, Rev. 1/09: Mobile Homeowners’ Policy – Special Form 3
- Forms End. 578 (NV) Ed. 10/06 and End. 595 Ed. 6/02 above also apply.
* Dwelling Property Basic Policy Forms (not available for new business)
- DP 00 01 07 88: Dwelling Property 1 – Basic Form
- End. 588 Ed. 1/01: Nevada Amendatory Dwelling Property Endorsement
* Dwelling Property Broad Policy Forms (not available for new business)
- DP 00 02 07 88: Dwelling Property 2 – Broad Form
- Form End. 588 Ed. 1/01 above also applies .
9. Travelers Group – 2010 Market Share: 4.00%
Companies: The Travelers Home and Marine Insurance Company, TravCo Insurance Company
* HO-3 Policy Forms
- HO-3 (06-06): Homeowners 3 – Special Form
- HO-300 NV (02-09): Special Provisions – Nevada
* HO-4 Policy Forms
- HO-4 (06-06): Homeowners 4 – Contents Broad Form
- Form HO-300 NV (02-09) above also applies.
* HO-6 Policy Forms
- HO-6 (06-06): Homeowners 6 – Unit-Owners’ Form
- Form HO-300 NV (02-09) above also applies.
* HV-3 Policy Forms
- HV-3 (06-06): High Value Homeowners’ Policy
- HV-300 NV (02-09): Special Provisions – Nevada
* HV-6 Policy Forms
- HV-6 (06-06): High Value Unit-Owners’ Policy
- Form HV-300 NV (02-09) above also applies.
10. COUNTRY Insurance and Financial Services Group (COUNTRY Financial) – 2010 Market Share: 2.36%
Company: COUNTRY Mutual Insurance Company
* Homeowners’ Policy Forms