Coverage description
An Insurance Services Office (ISO) standard form. It covers, up to the scheduled limit, additions, alterations and improvements an insured paid for in the part of a building at another location that is rented to an insured as a residence.
How the form has changed
The 10 00 and 03 22 editions reword the endorsement, add a location schedule and update the form date. 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 | 17 | 8 | 13 | May 2022 to Dec 2024 |
| 10 00Oct 2000 | 28 | 24 | 20 | Jan 2022 to Aug 2026 |
| 04 91Apr 1991 | 27 | 12 | 25 | Nov 2021 to Aug 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 edition 03 22. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 3 companies filed the 10 00 edition.
- The newer 03 22 edition first appears May 19, 2022 and has been filed by 8 companies in 13 states so far.
- HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 72 of the same filings (99%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 49, out of 19 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 29 | 29 | 04 9110 00 | 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 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and MICO | 6 | 6 | 10 00 | Apr 24, 2023 |
| American Family Insurance Group4 group companies filed it, led by NGM Insurance Company and Grain Dealers Mutual Insurance Company | 3 | 2 | 03 2204 9110 00 | Jan 17, 2025 |
| 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 |
| Utica GroupUtica Mutual Insurance Company | 2 | 2 | 03 22 | Dec 5, 2023 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 1 | 1 | 10 00 | Apr 7, 2026 |
| Arbella Insurance Group4 group companies filed it, led by Arbella Indemnity Insurance Company, Inc. and Arbella Mutual Insurance Company | 1 | 1 | 04 91 | Feb 14, 2024 |
| Donegal GroupPeninsula Insurance Company | 1 | 1 | 10 00 | May 1, 2023 |
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States
Number of filings that include HO 04 49 in each state, Oct 2021 to Aug 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 Premises72 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits72 filings
- HO 04 50Increased Amount of Insurance for Personal Property at Other Residences72 filings
- HO 24 71Designated Business Pursuits Liability Coverage71 filings
- HO 04 99Sinkhole Collapse Coverage70 filings
- HO 04 53Credit Card, Electronic Fund Transfer Card or Access Device, Forgery & Counterfeit Money Coverage - Increased Limit69 filings
- HO 04 12Increased Limits on Business Property67 filings
- HO 04 54Earthquake Coverage67 filings
- HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families67 filings
- HO 24 72Incidental Farming Personal Liability Coverage67 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Aug 27, 2026 | Armed Forces Insurance Exchange | CA | 10 00 | ARMD-134961669 |
| May 29, 2026 | Old Guard Insurance Company | MI | 10 00 | WSFG-G134947110 |
| May 14, 2026 | Armed Forces Insurance Exchange | MO | 10 00 | ARMD-134865546 |
| Apr 7, 2026 | Accelerant National Insurance Company | WA | 10 00 | SPRO-G134894244 |
| Mar 23, 2026 | Armed Forces Insurance Exchange | AR | 10 00 | ARMD-134879857 |
| Feb 27, 2026 | Armed Forces Insurance Exchange | NE | 10 00 | ARMD-134795835 |
| Sep 18, 2025 | Old Guard Insurance Company | MN | 10 00 | WSFG-G134667554 |
| Aug 26, 2025 | Liberty Mutual Fire Insurance Companyand 1 more | WY | 04 91 | LBPM-134639054 |
| Jul 18, 2025 | Old Guard Insurance Company | WV | 10 00 | WSFG-G134603209 |
| Jun 20, 2025 | Old Guard Insurance Company | TN | 10 00 | WSFG-G134565373 |
| Apr 4, 2025 | Old Guard Insurance Company | KY | 10 00 | WSFG-G134475387 |
| Mar 13, 2025 | Hastings Mutual Insurance Company | IL | 10 00 | HAST-134095856 |
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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