Coverage description
An Insurance Services Office (ISO) standard form. It raises the Coverage C special limits of liability to the scheduled amounts for categories such as money, securities, watercraft, jewelry, firearms, silverware, portable electronics in vehicles and model aircraft.
How the form has changed
4 changes across 2 revisions, newest first. Each edition is compared with the one before it, using wording from filed copies.
03 22 edition
Mar 2022, compared with 05 11Latest editionWatercraft, with trailers and equipment, and model or hobby aircraft are added as categories whose limits can be increased.
05 11
Not in this edition
03 22
“Watercraft of all types, including their trailers”
The per-article cap on increased theft limits for jewelry, watches and furs rises from $1,000 to $2,000.
05 11
“but not more than $1,000 for”
03 22
“but not more than $2,000 for”
05 11 edition
May 2011, compared with 10 00The electronic apparatus in a motor vehicle category is rewritten as portable electronic equipment that can run on a vehicle's electrical system and another power source.
10 00
Not in this edition
05 11
“Portable electronic equipment that:”
The separate category for business electronic apparatus away from the residence premises is removed.
10 00
“Electronic apparatus and accessories used primarily for”
05 11
Removed
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 | 51 | 12 | 37 | Jan 2022 to Oct 2026 |
| 05 11May 2011 | 34 | 21 | 23 | Jan 2022 to Sep 2026 |
| 10 00Oct 2000 | 10 | 13 | 10 | Jul 2022 to May 2026 |
| 04 91Apr 1991 | 5 | 8 | 5 | Nov 2021 to Aug 2025 |
2 other edition dates appear in one or two filings each, often carrier-specific versions: 01 14, 10/01/00.
What the filings show
- Edition in use: in the past 12 months, 6 companies filed the 03 22 edition and 5 companies filed 05 11.
- HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 96 of the same filings (93%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 65, out of 29 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 32 | 32 | 03 2204 91 | Aug 27, 2026 |
| Assurant Incorporated GroupAmerican Bankers Insurance Company of Florida | 9 | 8 | 05 1103 22 | Oct 14, 2026 |
| Westfield GroupOld Guard Insurance Company | 9 | 9 | 10 0010/01/00 | 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 Group5 group companies filed it, led by American Family Insurance Company and Grain Dealers Mutual Insurance Company | 3 | 3 | 05 1101 1404 91 | Jun 23, 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 |
| 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 |
| Universal Insurance Holding GroupUniversal Property and Casualty Insurance Company | 3 | 3 | 05 11 | Feb 24, 2025 |
| Cabrillo Holding GroupUS Coastal Property and Casualty Insurance Company | 2 | 2 | Not recorded | Jun 16, 2022 |
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States
Number of filings that include HO 04 65 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 Premises96 filings
- HO 00 03Homeowners 3 - Special Form88 filings
- HO 04 41Additional Insured - Residence Premises88 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits88 filings
- HO 04 35Supplemental Loss Assessment Coverage86 filings
- HO 04 77Ordinance or Law Increased Amount of Coverage85 filings
- HO 04 66Coverage C Increased Special Limits of Liability83 filings
- HO 04 12Increased Limits on Business Property82 filings
- HO 04 40Structures Rented to Others - Residence Premises82 filings
- HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement78 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 14, 2026 | American Bankers Insurance Company of Florida | MD | 03 22 | ASPX-135123185 |
| Oct 5, 2026 | BrightShore Insurance Company | RI | 03 22 | CUAN-135072480 |
| Sep 14, 2026 | American Modern Select Insurance Company | CA | 05 11 | TRUW-135088756 |
| Aug 27, 2026 | Armed Forces Insurance Exchange | CA | 03 22 | ARMD-134961669 |
| Aug 14, 2026 | Builder Reciprocal Insurance Exchange | NM | 05 11 | BRIE-135052376 |
| Jul 31, 2026 | Coastal American Insurance Company | MS | 05 11 | BURK-135003434 |
| May 29, 2026 | Old Guard Insurance Company | MI | 10 00 | 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 |
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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