Coverage description
An Insurance Services Office (ISO) standard form. It covers structures on the residence premises that are rented to others for use as a private residence, up to the limits in the schedule, and keeps personal liability and medical payments coverage for those structures despite the business exclusion.
How the form has changed
The 10 00 and 03 22 editions reorganize the wording and update definition references. The coverage is the same.
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 | 55 | 12 | 38 | May 2022 to Oct 2026 |
| 10 00Oct 2000 | 22 | 28 | 19 | Jan 2022 to Aug 2026 |
| 04 91Apr 1991 | 11 | 13 | 6 | Nov 2021 to Aug 2025 |
Filed by one company only: 02 22 (Armed Forces Insurance Exchange, 32 filings), 08 15 (Westfield Group, 6 filings).
3 other edition dates appear in one or two filings each, often carrier-specific versions: 03 19, 08 05, 08/01/15.
Where filings record what this form replaced, they name other forms SF-288. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 6 companies filed the 03 22 edition and 3 companies filed 10 00.
- The 02 22 edition appears only in filings from Armed Forces Insurance Exchange (32 filings in 32 states since Jan 7, 2022), which suggests a carrier-specific version.
- The 08 15 edition appears only in filings from Westfield Group (6 filings in 6 states since Jan 17, 2025), which suggests a carrier-specific version.
- HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 124 of the same filings (97%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 40, out of 28 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 32 | 32 | 02 2204 91 | Aug 27, 2026 |
| Assurant Incorporated GroupAmerican Bankers Insurance Company of Florida | 30 | 30 | 03 2210 00 | Oct 14, 2026 |
| Insurance Services Office, Inc.Advisory Organization | 9 | 9 | 03 22 | Dec 4, 2024 |
| Westfield GroupOld Guard Insurance Company | 9 | 9 | 08 1508/01/1508 05 | May 29, 2026 |
| Acuity, A Mutual Insurance Company | 8 | 8 | 03 22 | Jul 2, 2026 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and MICO | 6 | 6 | 10 00 | Apr 24, 2023 |
| THE Hanover Insurance Group3 group companies filed it, led by Massachusetts Bay Insurance Company and The Hanover Insurance Company | 5 | 3 | 04 9110 00 | Feb 3, 2026 |
| Liberty Mutual Group6 group companies filed it, led by American Fire and Casualty Company and Liberty Mutual Fire Insurance Company | 3 | 2 | 04 9110 00 | Aug 26, 2025 |
| NEW London Cnty Group3 group companies filed it, led by New London County Mutual Insurance Co. and Danbury Insurance Company | 3 | 3 | 03 22 | Apr 17, 2026 |
| Heritage Insurance Holdings Group2 group companies filed it, led by Narragansett Bay Insurance Company and Slide Specialty Insurance Company | 2 | 2 | 03 2204 91 | Oct 10, 2025 |
How the largest insurers handle HO 04 40
Groups among the largest homeowners insurers that filed HO 04 40 or their own version in the past five years.
- Allstate Insurance GroupFiles its own version: P13083 Structures Rented To Others - Residence Premises (38 states)
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States
Number of filings that include HO 04 40 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 Premises124 filings
- HO 00 03Homeowners 3 - Special Form122 filings
- HO 04 41Additional Insured - Residence Premises122 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits118 filings
- HO 04 77Ordinance or Law Increased Amount of Coverage113 filings
- HO 04 35Supplemental Loss Assessment Coverage109 filings
- HO 04 90Personal Property Replacement Cost Loss Settlement97 filings
- HO 04 16Premises Alarm, Water Leak Detection or Fire Protection System96 filings
- HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families91 filings
- HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement89 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 |
| Aug 27, 2026 | Armed Forces Insurance Exchange | CA | 02 22 | ARMD-134961669 |
| Aug 14, 2026 | Builder Reciprocal Insurance Exchange | NM | 10 00 | BRIE-135052376 |
| Jul 2, 2026 | Acuity, A Mutual Insurance Company | IL | 03 22 | ACUT-134943551 |
| Jun 24, 2026 | Acuity, A Mutual Insurance Company | IN | 03 22 | ACUT-134949931 |
| Jun 10, 2026 | Acuity, A Mutual Insurance Company | AZ | 03 22 | ACUT-134943550 |
| Jun 10, 2026 | Acuity, A Mutual Insurance Company | WI | 03 22 | ACUT-134943553 |
| Jun 9, 2026 | Acuity, A Mutual Insurance Company | IA | 03 22 | ACUT-134943552 |
| Jun 9, 2026 | Acuity, A Mutual Insurance Company | KS | 03 22 | ACUT-134949932 |
| Jun 9, 2026 | Acuity, A Mutual Insurance Company | MO | 03 22 | ACUT-134949934 |
| Jun 3, 2026 | Acuity, A Mutual Insurance Company | TN | 03 22 | ACUT-134949935 |
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 03 12 Windstorm or Hail Percentage Deductible
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