Coverage description
An Insurance Services Office (ISO) standard form. It adds a separate, additional limit for each other structure on the residence premises described in the schedule, on top of the Coverage B limit.
How the form has changed
The 03 22 edition reformats the schedule and updates the form date. The coverage wording is the same as 10 00.
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 | 90 | 19 | 42 | Jan 2022 to Oct 2026 |
| 10 00Oct 2000 | 45 | 39 | 27 | Jan 2022 to Aug 2026 |
| 04 91Apr 1991 | 10 | 12 | 7 | Nov 2021 to Sep 2025 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 10/01/00.
Where filings record what this form replaced, they name earlier editions 03 22, 10 00 and other forms HD0007, ML-48, N/A. 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 5 companies filed 10 00.
- HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 133 of the same filings (92%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 48, out of 35 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Assurant Incorporated GroupAmerican Bankers Insurance Company of Florida | 34 | 32 | 03 2210 00 | Oct 14, 2026 |
| Armed Forces Insurance Exchange | 33 | 33 | 03 2204 91 | Aug 27, 2026 |
| Insurance Services Office, Inc.Advisory Organization | 9 | 9 | 03 22 | Dec 4, 2024 |
| Westfield GroupOld Guard Insurance Company | 9 | 9 | 10 0010/01/00 | May 29, 2026 |
| American Family Insurance Group6 group companies filed it, led by Grain Dealers Mutual Insurance Company and Homesite Insurance Company of the Midwest | 7 | 3 | 03 2204 9110 00 | Jan 17, 2025 |
| Universal Insurance Holding GroupUniversal Property and Casualty Insurance Company | 7 | 7 | 10 00 | Feb 24, 2025 |
| 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 | 10 0004 91 | 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 |
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States
Number of filings that include HO 04 48 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 Premises133 filings
- HO 00 03Homeowners 3 - Special Form123 filings
- HO 04 41Additional Insured - Residence Premises119 filings
- HO 04 40Structures Rented to Others - Residence Premises118 filings
- HO 04 35Supplemental Loss Assessment Coverage116 filings
- HO 04 77Ordinance or Law Increased Amount of Coverage116 filings
- HO 04 16Premises Alarm, Water Leak Detection or Fire Protection System108 filings
- HO 04 90Personal Property Replacement Cost Loss Settlement94 filings
- HO 24 71Designated Business Pursuits Liability Coverage91 filings
- HO 04 50Increased Amount of Insurance for Personal Property at Other Residences90 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 | 03 22 | ARMD-134961669 |
| Aug 14, 2026 | Builder Reciprocal Insurance Exchange | NM | 10 00 | BRIE-135052376 |
| May 29, 2026 | Old Guard Insurance Company | MI | 10 00 | WSFG-G134947110 |
| May 14, 2026 | Armed Forces Insurance Exchange | MO | 03 22 | ARMD-134865546 |
| Apr 17, 2026 | New London County Mutual Insurance Co. | RI | 03 22 | NLCC-134891646 |
| Apr 7, 2026 | Accelerant National Insurance Company | WA | 10 00 | SPRO-G134894244 |
| Mar 23, 2026 | Armed Forces Insurance Exchange | AR | 03 22 | ARMD-134879857 |
| Mar 20, 2026 | Interboro Insurance Company | SC | 10 00 | SAGE-134882886 |
| Mar 17, 2026 | Danbury Insurance Companyand 1 more | MA | 03 22 | NLCC-134869733 |
| Feb 27, 2026 | Armed Forces Insurance Exchange | NE | 03 22 | ARMD-134795835 |
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 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
- HO 03 12 Windstorm or Hail Percentage Deductible
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