Coverage description
An Insurance Services Office (ISO) standard form. It adds homeowners coverage, up to $15,000, for expenses an insured incurs from identity fraud first discovered during the policy period, such as lost income, notarizing and mailing costs, loan reapplication fees and certain attorney fees, after a $500 deductible.
How the form has changed
The 05 11 and 03 22 editions update the form date. The coverage wording 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 |
|---|---|---|---|---|
| 05 22May 2022 | 3 | 3 | 1 | Feb 2022 to May 2026 |
| 03 22Mar 2022Latest | 45 | 10 | 34 | Jan 2022 to Oct 2026 |
| 07 21Jul 2021 | 14 | 4 | 8 | Nov 2021 to Sep 2025 |
| 05 11May 2011 | 7 | 4 | 7 | Apr 2022 to Apr 2026 |
Filed by one company only: 08 15 (Utica Group, 4 filings).
4 other edition dates appear in one or two filings each, often carrier-specific versions: 01 14, 06 06, 03 03, 07/01/21.
Where filings record what this form replaced, they name earlier editions 08 15, 05 19 and other forms 61-8261, HA 04 55 / HH80 99, HH 80 99. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 2 companies filed the 03 22 edition and 1 company filed 05 22.
- The newer 05 22 edition first appears Feb 9, 2022 and has been filed by 3 companies in 1 state so far.
- The 08 15 edition appears only in filings from Utica Group (4 filings in 4 states since Oct 3, 2023), which suggests a carrier-specific version.
- HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 66 of the same filings (85%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 55, out of 14 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 31 | 31 | 03 2206 06 | May 14, 2026 |
| Westfield Group4 group companies filed it, led by Old Guard Insurance Company and American Select Insurance Company | 19 | 9 | 07 2105 2207/01/21 | May 29, 2026 |
| American Family Insurance Group7 group companies filed it, led by NGM Insurance Company and American Family Insurance Company | 6 | 3 | 03 2201 1403 03 | Jan 17, 2025 |
| Insurance Services Office, Inc.Advisory Organization | 6 | 6 | 03 22 | Aug 16, 2024 |
| Utica GroupFounders Insurance Company | 4 | 4 | 08 15 | Oct 9, 2023 |
| Encova Mutual Insurance GroupMotorists Mutual Insurance Company | 3 | 3 | 05 11 | May 17, 2022 |
| Gulf States GroupCoastal American Insurance Company | 2 | 2 | 05 11 | Aug 2, 2024 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 1 | 1 | 05 11 | Apr 7, 2026 |
| Benchmark Holding GroupBenchmark Insurance Company | 1 | 1 | 05 11 | Nov 8, 2022 |
| BrightShore Insurance Company | 1 | 1 | 03 22 | Oct 5, 2026 |
How the largest insurers handle HO 04 55
Groups among the largest homeowners insurers that filed HO 04 55 or their own version in the past five years.
- Allstate Insurance GroupFiles its own version: AVP620 Identity Fraud Expense Coverage (1 state)
- Liberty Mutual GroupFiles its own version: HM 8307 Identity Fraud Expense Coverage (36 states)
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include HO 04 55 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 Premises66 filings
- HO 04 54Earthquake Coverage64 filings
- HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families62 filings
- HO 04 41Additional Insured - Residence Premises59 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits59 filings
- HO 24 71Designated Business Pursuits Liability Coverage58 filings
- HO 04 50Increased Amount of Insurance for Personal Property at Other Residences57 filings
- HO 04 65Coverage C Increased Special Limits of Liability56 filings
- HO 04 99Sinkhole Collapse Coverage55 filings
- HO 00 03Homeowners 3 - Special Form54 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 |
| May 29, 2026 | Old Guard Insurance Company | MI | 05 22 | WSFG-G134947110 |
| May 14, 2026 | Armed Forces Insurance Exchange | MO | 03 22 | ARMD-134865546 |
| Apr 7, 2026 | Accelerant National Insurance Company | WA | 05 11 | SPRO-G134894244 |
| Mar 23, 2026 | Armed Forces Insurance Exchange | AR | 03 22 | ARMD-134879857 |
| Feb 27, 2026 | Armed Forces Insurance Exchange | NE | 03 22 | ARMD-134795835 |
| Sep 18, 2025 | Old Guard Insurance Company | MN | 07 21 | WSFG-G134667554 |
| Jul 18, 2025 | Old Guard Insurance Company | WV | 07 21 | WSFG-G134603209 |
| Jun 30, 2025 | Armed Forces Insurance Exchange | PA | 03 22 | ARMD-134580982 |
| Jun 20, 2025 | Old Guard Insurance Company | TN | 07 21 | WSFG-G134565373 |
| Apr 4, 2025 | Old Guard Insurance Company | KY | 07 21 | WSFG-G134475387 |
| Jan 17, 2025 | Grain Dealers Mutual Insurance Companyand 2 more | NH | 03 03 | NGMC-134384684 |
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
See more carrier forms
Search forms by carrier, line of business, state, and wording with FilingFocus.