Coverage description
An Insurance Services Office (ISO) standard form. It adds earthquake coverage, including shocks from volcanic eruptions, subject to a percentage deductible with a $500 minimum, and excludes exterior masonry veneer unless waived, flood and the cost of filling land.
How the form has changed
2 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
05 11 edition
May 2011, compared with 10 00The minimum earthquake deductible rises from $250 to $500.
10 00
“The total deductible amount will not be less than $250.”
05 11
“The total deductible amount will not be less than $500.”
The flood exclusion now names waves, including tidal wave and tsunami, caused or aggravated by earthquake.
10 00
“flood of any nature or tidal wave”
05 11
“including tidal wave and tsunami”
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 | 55 | 17 | 37 | Jan 2022 to Oct 2026 |
| 05 11May 2011 | 20 | 16 | 15 | Jan 2022 to Aug 2026 |
| 10 00Oct 2000 | 7 | 13 | 7 | Apr 2023 to Jan 2025 |
| 06 94Jun 1994 | 5 | 8 | 5 | Nov 2021 to Aug 2025 |
Filed by one company only: 08 05 (Westfield Group, 7 filings).
2 other edition dates appear in one or two filings each, often carrier-specific versions: 01 15, 08/01/05.
Where filings record what this form replaced, they name earlier edition 03 22 and other forms HO 23 54, HO2354, ML-54WM. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 5 companies filed the 03 22 edition and 4 companies filed 05 11.
- The 08 05 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 92 of the same filings (97%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 54, out of 29 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 32 | 32 | 03 2206 94 | May 14, 2026 |
| Westfield GroupOld Guard Insurance Company | 9 | 9 | 08 0508/01/05 | May 29, 2026 |
| Insurance Services Office, Inc.Advisory Organization | 8 | 8 | 03 22 | Dec 4, 2024 |
| 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 |
| American Family Insurance Group7 group companies filed it, led by NGM Insurance Company and American Family Insurance Company | 6 | 3 | 03 2201 1506 94 | Jan 17, 2025 |
| Utica GroupFounders Insurance Company | 4 | 4 | 10 00 | Oct 9, 2023 |
| 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 |
| Hartford Fire & CAS Group9 group companies filed it, led by Hartford Accident and Indemnity Company and Hartford Casualty Insurance Company | 2 | 2 | 05 1110 00 | Mar 29, 2024 |
| Liberty Mutual Group3 group companies filed it, led by Liberty Mutual Fire Insurance Company and Montgomery Mutual Insurance Company | 2 | 2 | 06 94 | Aug 26, 2025 |
| Midwest Family GroupMidwest Family Mutual Insurance Company | 2 | 2 | 05 11 | Jul 25, 2022 |
How the largest insurers handle HO 04 54
Groups among the largest homeowners insurers that filed HO 04 54 or their own version in the past five years.
- United Services Automobile Assn GroupFiles its own version: HO-370 Earthquake (1 state)
- Liberty Mutual GroupFiles its own version: HOM-8302/EP Earthquake (6 states)
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include HO 04 54 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 Premises92 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits83 filings
- HO 04 41Additional Insured - Residence Premises81 filings
- HO 04 50Increased Amount of Insurance for Personal Property at Other Residences80 filings
- HO 24 71Designated Business Pursuits Liability Coverage80 filings
- HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families76 filings
- HO 04 65Coverage C Increased Special Limits of Liability75 filings
- HO 00 03Homeowners 3 - Special Form74 filings
- HO 04 35Supplemental Loss Assessment Coverage74 filings
- HO 04 40Structures Rented to Others - Residence Premises74 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 5, 2026 | BrightShore Insurance Company | RI | 03 22 | CUAN-135072480 |
| Aug 28, 2026 | Kentucky National Insurance Company | KY | 05 11 | KNIC-135068802 |
| May 29, 2026 | Old Guard Insurance Company | MI | 08 05 | 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 | 05 11 | SPRO-G134894244 |
| Mar 23, 2026 | Armed Forces Insurance Exchange | AR | 03 22 | ARMD-134879857 |
| Mar 20, 2026 | Interboro Insurance Company | SC | 05 11 | 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 |
| Feb 3, 2026 | Massachusetts Bay Insurance Company | ME | 05 11 | HNVR-G134821698 |
| Nov 14, 2025 | New London County Mutual Insurance Co. | CT | 03 22 | NLCC-134739293 |
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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