Homeowners 2022: What Changed?


In March 2021, Insurance Services Office, Inc. (ISO) announced the filing of its new 2022 countrywide homeowners program. The core coverages of the ISO 2022 homeowners forms remain essentially the same as that of the 2011 forms. However, the format of the new policy forms has changed, and the definitions and various coverage provisions in all sections of the policy have been added, deleted, modified, or fine-tuned.

This course highlights significant changes between the 2011 and 2022 homeowners policies that can have a significant effect on coverage.

Learning Objectives

Upon completion of this course, students will be able to

  • identify key coverage differences between homeowners policies in the 2011 and the 2022 series
  • recognize the limits and sublimits that have changed in the 2022 policies
  • identify new endorsements introduced with the 2022 program and recognize substantive changes to revised endorsements
  • identify the differences between the HO 14 Contents Comprehensive Form and the HO 4 Contents Broad Form

Designed For

P/C producers; adjusters
International Risk Management Institute, Inc. (IRMI) is the premier provider of risk and insurance continuing education and reference publications, and is considered the ultimate authority by leading insurance practitioners. Written by industry experts, IRMI courses provide the most up-to-date, practical and reliable information possible.

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