HO 04 53 Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money Coverage

An Insurance Services Office (ISO) standard form. It covers losses from theft or unauthorized use of credit cards and electronic fund transfer cards or access devices, check forgery and counterfeit currency, up to the limit in the Schedule, with defense of related suits.

1. 03 22 edition

   Mar 2022, compared with 10 00Latest edition

   • The endorsement now states the full coverage and pays up to the Schedule amount, instead of only increasing the limit of the policy's built-in coverage.

     10 00

     “The limit of liability for this coverage is increased as note”

     03 22

     “We will pay up to the amount shown in the Schedule for:”

   • No deductible applies to this coverage.

     10 00

     Not in this edition

     03 22

     “No deductible applies”

   • New duties after loss require notifying the card company and sending a sworn proof of loss within 60 days of the insurer's request.

     10 00

     Not in this edition

     03 22

     “In case of a loss to covered property, we have no duty to”

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 other forms SF-353. Only some filings record replacements.

• Edition in use: in the past 12 months, 4 companies filed the 03 22 edition and 4 companies filed 10 00.
• 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 94 of the same filings (100%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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.

• Allstate Insurance GroupFiles its own version: AVP643 Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money Coverage (1 state)

• HO 04 10Additional Interests - Residence Premises94 filings
• HO 24 71Designated Business Pursuits Liability Coverage86 filings
• HO 04 41Additional Insured - Residence Premises84 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits84 filings
• HO 04 40Structures Rented to Others - Residence Premises83 filings
• HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families83 filings
• HO 00 03Homeowners 3 - Special Form82 filings
• HO 00 06Unit-Owners 6 - Broad Form80 filings
• HO 04 12Increased Limits on Business Property80 filings
• HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement79 filings