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ISO endorsement · homeowners

HO 04 16 Premises Alarm Water Leak Detection or Fire Protection System

Filings
144
latest Oct 14, 2026
Filing companies
56
30 carrier groups
States
44
including DC
Latest edition
03 22
Mar 2022
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Coverage description

An Insurance Services Office (ISO) standard form. It acknowledges an approved alarm, water leak detection or automatic sprinkler system at the residence premises, and requires you to keep it working and report any change or removal.

How the form has changed

1 change across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.

  1. 03 22 edition

    Mar 2022, compared with 10 00Latest edition

    • Water leak detection systems are added to the systems the endorsement acknowledges.

      10 00

      “We acknowledge the installation of an alarm system and/or automatic sprinkler system”

      03 22

      “We acknowledge the installation of an alarm system, water leak dete”

Editions

Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.

EditionFilingsCompaniesStatesFiled
03 22Mar 2022Latest1062141Jan 2022 to Oct 2026
10 00Oct 2000303118Nov 2021 to Aug 2026
04 91Apr 19917107Nov 2021 to Sep 2025

1 other edition date appears in one or two filings each, often carrier-specific versions: 01 14.

Where filings record what this form replaced, they name earlier edition 10 00 and other forms F20002., HO 7416. Only some filings record replacements.

What the filings show

  • Edition in use: in the past 12 months, 7 companies filed the 03 22 edition and 3 companies filed 10 00.
  • HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 117 of the same filings (81%).

Filed under

Homeowners 104Condominium Homeowners 23Owner Occupied Homeowners 15Tenant Homeowners 1Other Homeowners 1

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

Carriers filing this form

The 10 carrier groups with the most filings that include HO 04 16, out of 30 in total.

CarrierFilingsStatesEditions, most filed firstLast filed
Assurant Incorporated Group2 group companies filed it, led by American Bankers Insurance Company of Florida and American Security Insurance Company493403 2210 00Oct 14, 2026
Armed Forces Insurance Exchange323203 2204 91Aug 27, 2026
Insurance Services Office, Inc.Advisory Organization9903 22Dec 4, 2024
American Family Insurance Group6 group companies filed it, led by Homesite Insurance Company and NGM Insurance Company6403 2210 0001 14Jan 17, 2025
Berkshire Hathaway Group2 group companies filed it, led by United States Liability Insurance Company and Mount Vernon Fire Insurance Company6610 00Nov 1, 2022
Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and MICO6610 00Apr 24, 2023
Utica Group2 group companies filed it, led by Founders Insurance Company and Utica Mutual Insurance Company4303 22Dec 5, 2023
Cabrillo Holding GroupUS Coastal Property and Casualty Insurance Company3303 22Jul 17, 2025
Liberty Mutual Group6 group companies filed it, led by American Fire and Casualty Company and Liberty Mutual Fire Insurance Company3204 9110 00Aug 26, 2025
NEW London Cnty Group3 group companies filed it, led by New London County Mutual Insurance Co. and Danbury Insurance Company3303 22Apr 17, 2026

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States

Number of filings that include HO 04 16 in each state, Oct 2021 to Oct 2026. Darker states have more filings.

Tennessee: 3 filingsTN3Alabama: 2 filingsAL2Florida: 0 filingsFLGeorgia: 3 filingsGA3Oklahoma: 2 filingsOK2South Carolina: 3 filingsSC3Arkansas: 2 filingsAR2Missouri: 3 filingsMO3Indiana: 5 filingsIN5Louisiana: 2 filingsLA2Ohio: 7 filingsOH7Wisconsin: 6 filingsWI6Texas: 3 filingsTX3Kentucky: 4 filingsKY4Iowa: 2 filingsIA2Kansas: 1 filingKS1Mississippi: 3 filingsMS3North Carolina: 0 filingsNCNebraska: 2 filingsNE2South Dakota: 2 filingsSD2Montana: 3 filingsMT3New Hampshire: 4 filingsNH4Virginia: 7 filingsVA7Arizona: 3 filingsAZ3Pennsylvania: 5 filingsPA5Rhode Island: 5 filingsRI5Michigan: 0 filingsMIAlaska: 1 filingAK1District of Columbia: 3 filingsDC3Idaho: 3 filingsID3Maryland: 6 filingsMD6West Virginia: 3 filingsWV3Utah: 3 filingsUT3Wyoming: 1 filingWY1Delaware: 2 filingsDE2New Mexico: 0 filingsNMColorado: 0 filingsCOConnecticut: 5 filingsCT5Maine: 2 filingsME2North Dakota: 1 filingND1Illinois: 5 filingsIL5Minnesota: 2 filingsMN2New Jersey: 2 filingsNJ2New York: 0 filingsNYMassachusetts: 4 filingsMA4Washington: 9 filingsWA9Oregon: 0 filingsORVermont: 2 filingsVT2California: 3 filingsCA3Nevada: 2 filingsNV2Hawaii: 3 filingsHI3
FewerMore filingsNone

Often filed with

Standard-style form numbers that appear in the same filings most often.

  • HO 04 10Additional Interests - Residence Premises117 filings
  • HO 04 41Additional Insured - Residence Premises110 filings
  • HO 04 48Other Structures on the Residence Premises - Increased Limits108 filings
  • HO 04 35Supplemental Loss Assessment Coverage107 filings
  • HO 04 77Ordinance or Law Increased Amount of Coverage104 filings
  • HO 04 90Personal Property Replacement Cost Loss Settlement103 filings
  • HO 00 03Homeowners 3 - Special Form98 filings
  • HO 04 40Structures Rented to Others - Residence Premises96 filings
  • HO 04 98Refrigerated Property Coverage90 filings
  • HO 00 06Unit-Owners 6 - Broad Form82 filings

Recent filings

Latest filings that include this form number. Filed copies open in FilingFocus.

SubmittedCompanyStateEditionsTracking number
Oct 14, 2026American Bankers Insurance Company of FloridaMD03 22ASPX-135123185
Aug 28, 2026Kentucky National Insurance CompanyKY10 00KNIC-135068802
Aug 27, 2026Armed Forces Insurance ExchangeCA03 22ARMD-134961669
Jul 2, 2026American Bankers Insurance Company of FloridaHI03 22ASPX-135000706
May 21, 2026American Bankers Insurance Company of FloridaCT03 22ASPX-134953144
May 14, 2026Armed Forces Insurance ExchangeMO03 22ARMD-134865546
Apr 17, 2026New London County Mutual Insurance Co.RI03 22NLCC-134891646
Apr 13, 2026Western Community Insurance CompanyWA03 22FMID-134909620
Apr 7, 2026Accelerant National Insurance CompanyWA10 00SPRO-G134894244
Mar 23, 2026Armed Forces Insurance ExchangeAR03 22ARMD-134879857
Mar 20, 2026Interboro Insurance CompanySC10 00SAGE-134882886
Mar 17, 2026Danbury Insurance Companyand 1 moreMA03 22NLCC-134869733

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