Coverage description
An Insurance Services Office (ISO) standard form. It provides an additional amount of dwelling insurance, set as a percentage of the Coverage A limit, when a covered loss to the dwelling exceeds that limit, if you let the insurer adjust the limit, report major improvements and repair or replace the building.
How the form has changed
2 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
05 11 edition
May 2011, compared with 06 94If the building is rebuilt at a new premises, replacement cost is capped at what rebuilding at the original premises would have cost.
06 94
Not in this edition
05 11
“If the building is rebuilt at a new premises”
To claim replacement cost after first settling on an actual cash value basis, you must notify the insurer within 180 days after the loss of your intent to repair or replace.
06 94
“You may then make claim within 180 days after loss for any additional liability”
05 11
“provided you notify us, within 180 days after the date of loss, of your intent to repair or replace”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 03 22Mar 2022Latest | 37 | 7 | 29 | May 2022 to Oct 2026 |
| 05 11May 2011 | 16 | 10 | 11 | Jan 2022 to Jul 2026 |
| 06 94Jun 1994 | 18 | 2 | 18 | Nov 2021 to Oct 2024 |
Filed by one company only: 01 18 (Westfield Group, 7 filings).
2 other edition dates appear in one or two filings each, often carrier-specific versions: 10 00, 01/01/18.
Where filings record what this form replaced, they name other forms 2596, CAIC HO 62, HO 7142, ML145WM. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 3 companies filed the 03 22 edition and 3 companies filed 05 11.
- The 01 18 edition appears only in filings from Westfield Group (7 filings in 7 states since Oct 23, 2023), which suggests a carrier-specific version.
- HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 79 of the same filings (98%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 20, out of 16 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Assurant Incorporated GroupAmerican Bankers Insurance Company of Florida | 27 | 26 | 03 2205 11 | Oct 14, 2026 |
| Armed Forces Insurance Exchange | 17 | 17 | 06 94 | Oct 11, 2024 |
| Westfield GroupOld Guard Insurance Company | 9 | 9 | 01 1801/01/18 | May 29, 2026 |
| Encova Mutual Insurance Group4 group companies filed it, led by Motorists Mutual Insurance Company and Iowa Mutual Insurance Company | 6 | 6 | 05 11 | Apr 24, 2023 |
| Insurance Services Office, Inc.Advisory Organization | 6 | 6 | 03 22 | Dec 4, 2024 |
| American Family Insurance Group4 group companies filed it, led by Grain Dealers Mutual Insurance Company and NGM Insurance Company | 2 | 2 | 05 1110 00 | Jun 23, 2025 |
| Gulf States GroupCoastal American Insurance Company | 2 | 2 | 05 11 | Jul 31, 2026 |
| NEW London Cnty GroupNew London County Mutual Insurance Co. | 2 | 2 | 03 22 | Apr 17, 2026 |
| Universal Insurance Holding GroupUniversal Property and Casualty Insurance Company | 2 | 2 | 05 11 | Oct 20, 2023 |
| Utica GroupUtica Mutual Insurance Company | 2 | 2 | 03 22 | Dec 5, 2023 |
How the largest insurers handle HO 04 20
Groups among the largest homeowners insurers that filed HO 04 20 or their own version in the past five years.
- Liberty Mutual GroupFiles its own version: FI0420 Specified Additional Amount of Insurance For Coverage A - Dwelling (14 states)
See more forms
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States
Number of filings that include HO 04 20 in each state, Oct 2021 to Oct 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- HO 04 10Additional Interests - Residence Premises79 filings
- HO 00 03Homeowners 3 Special Form78 filings
- HO 04 77Ordinance or Law Increased Amount of Coverage77 filings
- HO 04 35Supplemental Loss Assessment Coverage76 filings
- HO 04 41Additional Insured - Residence Premises76 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits76 filings
- HO 04 40Structures Rented to Others - Residence Premises74 filings
- HO 04 90Personal Property Replacement Cost Loss Settlement74 filings
- HO 04 16Premises Alarm, Water Leak Detection or Fire Protection System64 filings
- HO 04 98Refrigerated Property Coverage61 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 14, 2026 | American Bankers Insurance Company of Florida | MD | 03 22 | ASPX-135123185 |
| Oct 5, 2026 | BrightShore Insurance Company | RI | 03 22 | CUAN-135072480 |
| Jul 31, 2026 | Coastal American Insurance Company | MS | 05 11 | BURK-135003434 |
| May 29, 2026 | Old Guard Insurance Company | MI | 01 18 | WSFG-G134947110 |
| Apr 17, 2026 | New London County Mutual Insurance Co. | RI | 03 22 | NLCC-134891646 |
| Mar 20, 2026 | Interboro Insurance Company | SC | 05 11 | SAGE-134882886 |
| Jan 14, 2026 | American Bankers Insurance Company of Florida | VT | 03 22 | ASPX-134790857 |
| Dec 5, 2025 | American Modern Select Insurance Company | OH | 05 11 | TRUW-134709092 |
| Nov 14, 2025 | New London County Mutual Insurance Co. | CT | 03 22 | NLCC-134739293 |
| Oct 10, 2025 | Slide Specialty Insurance Company | SC | 03 22 | SLID-134701865 |
| Sep 18, 2025 | Old Guard Insurance Company | MN | 01 18 | WSFG-G134667554 |
| Aug 22, 2025 | American Bankers Insurance Company of Florida | DC | 03 22 | ASPX-134625600 |
Most filed ISO HO forms
- HO 00 03 Homeowners 3 Special Form
- HO 04 90 Personal Property Replacement Cost Loss Settlement
- HO 04 10 Additional Interests - Residence Premises
- HO 04 41 Additional Insured - Residence Premises
- HO 04 48 Other Structures on the Residence Premises - Increased Limits
- HO 04 16 Premises Alarm Water Leak Detection or Fire Protection System
- HO 04 98 Refrigerated Property Coverage
- HO 04 35 Supplemental Loss Assessment Coverage
- HO 04 77 Ordinance or Law Increased Amount of Coverage
- HO 00 06 Homeowners 6 - Unit- Owners Form
- HO 24 13 Incidental Low Power Recreational Motor Vehicle Liability Coverage Endorsement
- HO 04 40 Structures Rented to Others - Residence Premises
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