HO 04 51 Building Additions And Alterations – Increased Limit

An Insurance Services Office (ISO) standard form. It increases the limit for the Building Additions And Alterations additional coverage under the HO 00 04 renters form to the amount shown in the schedule.

The 10 00 and 03 22 editions reorganize the schedule and update the form date. The coverage is the same.

Filed by one company only: 08 15 (Westfield Group, 7 filings).

1 other edition date appears in one or two filings each, often carrier-specific versions: 08/01/15.

Where filings record what this form replaced, they name earlier edition 03 22. Only some filings record replacements.

• Edition in use: in the past 12 months, 3 companies filed the 03 22 edition and 1 company filed 08 15.
• The 08 15 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 50 of the same filings (91%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to May 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• HO 04 10Additional Interests – Residence Premises50 filings
• HO 04 48Other Structures On The Residence Premises – Increased Limits50 filings
• HO 24 71Business Pursuits49 filings
• HO 04 50Increased Amount Of Insurance For Personal Property At Other Residences48 filings
• HO 04 53Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money Coverage47 filings
• HO 04 54Earthquake46 filings
• HO 04 40Structures Rented To Others – Residence Premises45 filings
• HO 04 99Sinkhole Collapse45 filings
• HO 24 70Additional Residence Rented To Others 1, 2, 3 Or 4 Families45 filings
• HO 04 35Supplemental Loss Assessment Coverage43 filings