Coverage description
An Insurance Services Office (ISO) standard form. It settles covered losses to listed non-building structures on the residence premises, such as masonry walls, metal or fiberglass fences, patios, driveways and inground pools or hot tubs, at replacement cost without deduction for depreciation, up to the Coverage B limit.
Updated
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed | Document |
|---|---|---|---|---|---|
| 03 22Mar 2022Latest | 8 | 3 | 8 | May 2022 to Oct 2026 | View PDF |
| 05 11May 2011 | 13 | 6 | 10 | Jan 2022 to Jan 2026 | View PDF |
Filed by one company only: 02 22 (Armed Forces Insurance Exchange, 27 filings), 01 18 (Westfield Group, 7 filings).
6 other edition dates appear in one or two filings each, often carrier-specific versions: 01 25, 07 24, 01 22, 07 21, 10 00, 01/01/18.
Where filings record what this form replaced, they name other forms ML-42. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 1 company filed the 03 22 edition and 1 company filed 05 11.
- The newer 03 22 edition first appears May 19, 2022 and has been filed by 3 companies in 8 states so far.
- The 02 22 edition appears only in filings from Armed Forces Insurance Exchange (27 filings in 27 states since Jan 7, 2022), which suggests a carrier-specific version.
- 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 48 (Other Structures on the Residence Premises - Increased Limits) is filed alongside it most often, in 60 of the same filings (95%).
Data from admitted P&C filings with state insurance departments, submitted Nov 2021 to Oct 2026, excluding withdrawn and rejected filings.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 43, out of 10 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 31 | 31 | 02 2201 2201 25 | May 14, 2026 |
| 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 | 7 | 7 | 05 11 | Apr 24, 2023 |
| Insurance Services Office, Inc.Advisory Organization | 5 | 5 | 03 22 | Dec 4, 2024 |
| Universal Insurance Holding GroupUniversal Property and Casualty Insurance Company | 5 | 5 | 05 11 | Jan 9, 2026 |
| Madison Mutual Insurance Company | 2 | 2 | 03 22 | Oct 23, 2026 |
| Hartford Fire & CAS Group8 group companies filed it, led by Hartford Accident and Indemnity Company and Hartford Casualty Insurance Company | 1 | 1 | 10 00 | Apr 21, 2023 |
| Hawaii Insurance Bureau, Inc. | 1 | 1 | 03 22 | Nov 6, 2023 |
| Liberty Mutual Group3 group companies filed it, led by American Fire and Casualty Company and The Ohio Casualty Insurance Company | 1 | 1 | 10 00 | Nov 15, 2022 |
| Ohio Mutual GroupUnited Mutual Insurance Company | 1 | 1 | 05 11 | Sep 14, 2024 |
States
Number of filings that include HO 04 43 in each state, Nov 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 48Other Structures on the Residence Premises - Increased Limits60 filings
- HO 00 05Homeowners 5 - Comprehensive Form59 filings
- HO 04 65Coverage C Increased Special Limits of Liability59 filings
- HO 00 03Homeowners 3 - Special Form58 filings
- HO 04 10Additional Interests - Residence Premises58 filings
- HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement58 filings
- HO 04 35Supplemental Loss Assessment Coverage57 filings
- HO 04 66Coverage C Increased Special Limits of Liability57 filings
- HO 00 06Unit-Owners 6 - Broad Form56 filings
- HO 04 41Additional Insured - Residence Premises56 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 23, 2026 | Madison Mutual Insurance Company | WI | 03 22 | MAMI-135136964 |
| Oct 20, 2026 | Madison Mutual Insurance Company | IN | 03 22 | MAMI-135130516 |
| May 29, 2026 | Old Guard Insurance Company | MI | 01 18 | WSFG-G134947110 |
| May 14, 2026 | Armed Forces Insurance Exchange | MO | 02 22 | ARMD-134865546 |
| Mar 23, 2026 | Armed Forces Insurance Exchange | AR | 02 22 | ARMD-134879857 |
| Feb 27, 2026 | Armed Forces Insurance Exchange | NE | 02 22 | ARMD-134795835 |
| Jan 9, 2026 | Universal Property and Casualty Insurance Company | IN | 05 11 | UPCC-134697206 |
| Sep 18, 2025 | Old Guard Insurance Company | MN | 01 18 | WSFG-G134667554 |
| Jul 18, 2025 | Old Guard Insurance Company | WV | 01 18 | WSFG-G134603209 |
| Jun 30, 2025 | Armed Forces Insurance Exchange | PA | 02 22 | ARMD-134580982 |
| Jun 20, 2025 | Old Guard Insurance Company | TN | 01 18 | WSFG-G134565373 |
| Apr 4, 2025 | Old Guard Insurance Company | KY | 01 18 | WSFG-G134475387 |
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 04 40 Structures Rented to Others - Residence Premises
- HO 03 12 Windstorm or Hail Percentage Deductible