HOMEOWNERS GROUP INC
SC 13D/A, 1997-01-28
INSURANCE AGENTS, BROKERS & SERVICE
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                  SCHEDULE 13D
                    Under the Securities Exchange Act of 1934

                                (Amendment No. 6)
                             HOMEOWNERS GROUP, INC.
- --------------------------------------------------------------------------------
                                (Name of Issuer)


                          Common Stock, $0.01 Par Value
- --------------------------------------------------------------------------------
                         (Title of Class of Securities)

                                    43739N107
                         ------------------------------
                                 (CUSIP Number)

                            Howard L. Wolk, President
                                NAPAQ Corporation
                           4040 Mystic Valley Parkway
                                Boston, MA 02155

                                -with copies to-

                              Robert M. Rosen, Esq.
                             Lane Altman & Owens LLP
                               101 Federal Street
                          Boston, Massachusetts, 02110
- --------------------------------------------------------------------------------
 (Name, Address and Telephone Number of Person Authorized to Receive Notices and
   Communications)

                                January 28, 1997
             ------------------------------------------------------
             (Date of Event which Requires Filing of this Statement)


If the filing person has previously  filed a statement on Schedule 13G to report
the  acquisition  which is the subject of this  Schedule 13D, and is filing this
schedule because of Rule 13d-1(b)(3) or (4), check the following box [ ].

Check the following box if a fee is being paid with the statement. [ ] (A fee is
not required only if the reporting person:  (1) has a previous statement on file
reporting  beneficial  ownership  of more  than  five  percent  of the  class of
securities  described  in Item 1;  and (2) has  filed  no  amendment  subsequent
thereto reporting  beneficial  ownership of five percent or less of such class.)
(See Rule 13d-7.)

NOTE: Six copies of this statement, including all exhibits, should be filed with
the  Commission.  See Rule  13-d(a)  for other  parties to whom copies are to be
sent.

*The  remainder of this cover page shall be filled out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for  any  subsequent   amendment   containing   information  which  would  alter
disclosures provided in a prior cover page.

The information required on the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).





                                  SCHEDULE 13D

CUSIP No.       43739N107                         Page    2    of     8    Pages
           -------------------                         -------     -------      

- --------------------------------------------------------------------------------
1   Name of Reporting Person
    S.S. or I.R.S. Identification No. of Above Person         
   
    NAPAQ Corporation
- --------------------------------------------------------------------------------
2   Check the Appropriate Box if a Member of a Group*                  (a) [ ]
                                                                       (b) [X]
- --------------------------------------------------------------------------------
3   SEC Use Only
- --------------------------------------------------------------------------------
4   Source of Funds*       WC
- --------------------------------------------------------------------------------
5   Check Box if Disclosure of Legal Proceeding is Required Pursuant to Items 
    2(d) or 2(e)                                                           [ ]
- --------------------------------------------------------------------------------
6   Citizenship or Place of Organization    Nevada
- --------------------------------------------------------------------------------
  Number of          7     Sole Voting Power         126,000
  Shares             ___________________________________________________________
  Beneficially       8     Shared Voting Power       -0-
  Owned by           ___________________________________________________________
  Each               9     Sole Dispositive Power    126,000
  Reporting          ___________________________________________________________
  Person With        10    Shared Dispositive Power  -0-

- --------------------------------------------------------------------------------
11  Aggregate Amount Beneficially Owned by Each Reporting Person       126,000
- --------------------------------------------------------------------------------
12  Check Box if the Aggregate Amount in Row (11) Excludes Certain Shares* [ ]
- --------------------------------------------------------------------------------
13  Percent of Class Represented by Amount in Row (11)        2.27%
- --------------------------------------------------------------------------------
14  Type of Reporting Person*       PN
- --------------------------------------------------------------------------------

                      *SEE INSTRUCTIONS BEFORE FILLING OUT!
          INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7
      (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATION.





                                  SCHEDULE 13D

CUSIP No.       43739N107                         Page    3    of     8    Pages
           -------------------                         -------     -------      

- --------------------------------------------------------------------------------
1   Name of Reporting Person
    S.S. or I.R.S. Identification No.of Above Person

    Cross Country Motor Club, Inc.
- --------------------------------------------------------------------------------
2   Check the Appropriate Box if a Member of a Group*                   (a) [ ]
                                                                        (b) [X]
- --------------------------------------------------------------------------------
3   SEC Use Only
- --------------------------------------------------------------------------------
4   Source of Funds*       WC
- --------------------------------------------------------------------------------
5   Check Box if Disclosure of Legal Proceeding is Required Pursuant to Items 
    2(d) or 2(e)                                                            [ ]
- --------------------------------------------------------------------------------
6   Citizenship or Place of Organization    Massachusetts
- --------------------------------------------------------------------------------
  Number of          7     Sole Voting Power         362,500
  Shares             ___________________________________________________________
  Beneficially       8     Shared Voting Power       -0-
  Owned by           ___________________________________________________________
  Each               9     Sole Dispositive Power    362,500
  Reporting          ___________________________________________________________
  Person With        10    Shared Dispositive Power  -0-

- --------------------------------------------------------------------------------
11  Aggregate Amount Beneficially Owned by Each Reporting Person       362,500
- --------------------------------------------------------------------------------
12  Check Box if the Aggregate Amount in Row (11) Excludes Certain Shares*  [ ]
- --------------------------------------------------------------------------------
13  Percent of Class Represented by Amount in Row (11)        6.522%
- --------------------------------------------------------------------------------
14  Type of Reporting Person*       CO
- --------------------------------------------------------------------------------

                      *SEE INSTRUCTIONS BEFORE FILLING OUT!
          INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7
      (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATION.




                                  SCHEDULE 13D

CUSIP No.       43739N107                         Page    4    of     8    Pages
           -------------------                         -------     -------      

- --------------------------------------------------------------------------------
1   Name of Reporting Person
    S.S. or I.R.S. Identification No. of Above Person     

    Jeffrey C. Wolk
- --------------------------------------------------------------------------------
2   Check the Appropriate Box if a Member of a Group*                   (a) [ ]
                                                                        (b) [X] 
- --------------------------------------------------------------------------------
3   SEC Use Only
- --------------------------------------------------------------------------------
4   Source of Funds*       PF
- --------------------------------------------------------------------------------
5   Check Box if Disclosure of Legal Proceeding is Required Pursuant to Items
    2(d) or 2(e)                                                            [ ]
- --------------------------------------------------------------------------------
6   Citizenship or Place of Organization             United States
- --------------------------------------------------------------------------------
  Number of          7     Sole Voting Power         3,000
  Shares             ___________________________________________________________
  Beneficially       8     Shared Voting Power       -0-
  Owned by           ___________________________________________________________
  Each               9     Sole Dispositive Power    3,000
  Reporting          ___________________________________________________________
  Person With        10  Shared Dispositive Power    -0-

- --------------------------------------------------------------------------------
11  Aggregate Amount Beneficially Owned by Each Reporting Person       3,000
- --------------------------------------------------------------------------------
12  Check Box if the Aggregate Amount in Row (11) Excludes Certain Shares*  [ ]
- --------------------------------------------------------------------------------
13  Percent of Class Represented by Amount in Row (11)        .054%
- --------------------------------------------------------------------------------
14  Type of Reporting Person*       IN
- --------------------------------------------------------------------------------

                      *SEE INSTRUCTIONS BEFORE FILLING OUT!
          INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7
      (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATION.





                                  SCHEDULE 13D

CUSIP No.       43739N107                         Page    5    of     8    Pages
           -------------------                         -------     -------      

- --------------------------------------------------------------------------------
1   Name of Reporting Person
    S.S. or I.R.S. Identification No. of Above Person         
   
    HAC, INC.
- --------------------------------------------------------------------------------
2   Check the Appropriate Box if a Member of a Group*                  (a) [ ]
                                                                       (b) [X]
- --------------------------------------------------------------------------------
3   SEC Use Only
- --------------------------------------------------------------------------------
4   Source of Funds*       WC
- --------------------------------------------------------------------------------
5   Check Box if Disclosure of Legal Proceeding is Required Pursuant to Items 
    2(d) or 2(e)                                                           [ ]
- --------------------------------------------------------------------------------
6   Citizenship or Place of Organization             Delaware
- --------------------------------------------------------------------------------
  Number of          7     Sole Voting Power         120,000
  Shares             ___________________________________________________________
  Beneficially       8     Shared Voting Power       -0-
  Owned by           ___________________________________________________________
  Each               9     Sole Dispositive Power    120,000
  Reporting          ___________________________________________________________
  Person With        10    Shared Dispositive Power  -0-

- --------------------------------------------------------------------------------
11  Aggregate Amount Beneficially Owned by Each Reporting Person       120,000
- --------------------------------------------------------------------------------
12  Check Box if the Aggregate Amount in Row (11) Excludes Certain Shares* [ ]
- --------------------------------------------------------------------------------
13  Percent of Class Represented by Amount in Row (11)        2.159%
- --------------------------------------------------------------------------------
14  Type of Reporting Person*       PN
- --------------------------------------------------------------------------------

                      *SEE INSTRUCTIONS BEFORE FILLING OUT!
          INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7
      (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATION.





                                  SCHEDULE 13D

 CUSIP NO. 43739N107                               Page    6    of    8    Pages
           ---------                                   -------    -------      


         THIS  AMENDMENT NO. 6 RELATES TO THE SCHEDULE 13D  ORIGINALLY  FILED ON
BEHALF OF THE REPORTING  PERSONS ON APRIL 4, 1996.  THE TEXT OF ITEM 6 IS HEREBY
AMENDED BY ADDING THE FOLLOWING:


ITEM 6. CONTRACTS,  ARRANGEMENTS,  UNDERSTANDINGS AND RELATIONSHIPS WITH RESPECT
        TO SECURITIES OF THE ISSUER.

         In conjunction  with entering into the Merger Agreement with the Issuer
dated as of  May 14, 1996, and as previously  disclosed in the Issuer's Form 8-K
filing dated June 9, 1996,  the Cross Country  Group,  Inc., an affiliate of the
Reporting  Persons  ("Cross  Country"),  entered  into a voting  agreement  (the
"Voting Agreement") with the members of the Board of Directors and one executive
officer of the Issuer.  The Voting  Agreement  grants Cross Country the right to
vote the  shares  held by each  member of the Board and the  executive  officer,
currently  698,481 Shares,  with respect to all matters  relating to the Merger.
Cross Country intends to vote said Shares in conjunction with the 611,500 Shares
owned by the  Reporting  Persons in favor of the  approval  and  adoption of the
Merger Agreement.




 CUSIP NO. 43739N107                               Page    7    of    8    Pages
                                                        -------    -------      

         After  reasonable  inquiry and to the best of our knowledge and belief,
we each  certify  that the  information  set  forth in this  statement  is true,
complete and correct.  This statement may be executed in multiple  counterparts,
each of which shall be deemed an original and all of which shall  constitute one
(1) instrument.


                                         The Cross Country Motor Club, Inc.


                                         by:  /s/  Howard L. Wolk
                                            -----------------------------------
                                               Howard L. Wolk, Vice President


                                         NAPAQ Corporation


                                         by:  /s/  Howard L. Wolk
                                            -----------------------------------
                                               Howard L. Wolk, Vice President


                                              /s/  Jeffrey C. Wolk
                                            ----------------------------------- 
                                                   Jeffrey C. Wolk


                                         HAC, Inc.


                                         by:  /s/  Howard L. Wolk
                                            ----------------------------------- 
                                               Howard L. Wolk, Vice President

Dated:  January 28, 1997








 CUSIP NO. 43739N107                               Page    8    of    8    Pages
                                                        -------    -------      


                                    EXHIBIT A

                            AGREEMENT OF JOINT FILING
                             HOMEOWNERS GROUP, INC.
                          COMMON STOCK, $0.01 PAR VALUE


         In accordance  with Rule 13D-1(f) under the Securities  Exchange Act of
1934, as amended, the undersigned hereby confirm the agreement by and among them
to the joint  filing on behalf of each of them of a Statement  on Schedule  13D,
and  any  and all  amendments  thereto,  with  respect  to the  above-referenced
securities and that this Agreement be included as an Exhibit to such filing.

         This  Agreement may be executed in any number of  counterparts  each of
which  shall be  deemed to be an  original  and all of which  together  shall be
deemed to constitute one and the same Agreement.

         WITNESS WHEREOF,  the undersigned hereby execute this Agreement on this
28th day of January, 1997.


                                         NAPAQ Corporation


                                         by:  /s/  Howard L. Wolk
                                            -----------------------------------
                                               Howard L. Wolk, Vice President


                                         The Cross Country Motor Club, Inc.


                                         by:  /s/  Howard L. Wolk
                                            -----------------------------------
                                               Howard L. Wolk, Vice President


                                              /s/  Jeffrey C. Wolk
                                            -----------------------------------
                                                   Jeffrey C. Wolk


                                         HAC, Inc.


                                         by:  /s/  Howard L. Wolk
                                            -----------------------------------
                                               Howard L. Wolk, Vice President

Dated:  January 28, 1997




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