Coverage description
An Insurance Services Office (ISO) standard form. It raises the Ordinance Or Law additional coverage from 10% of the Coverage A limit, or of the Building Additions And Alterations limit for HO 00 04, to the percentage shown in the schedule.
How the form has changed
The 10 00 and 03 22 editions renumber the Ordinance Or Law additional coverage and update the schedule and 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 |
|---|---|---|---|---|
| 03 22Mar 2022Latest | 87 | 13 | 41 | Jan 2022 to Oct 2026 |
| 10 00Oct 2000 | 32 | 34 | 19 | Jan 2022 to Sep 2026 |
| 06 94Jun 1994 | 6 | 7 | 6 | Nov 2021 to Aug 2025 |
| 04 91Apr 1991 | 5 | 7 | 4 | Mar 2022 to Jan 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: 10 99, 08/01/05.
Where filings record what this form replaced, they name earlier edition 03 22. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 6 companies filed the 03 22 edition and 4 companies filed 10 00.
- 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 120 of the same filings (87%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 77, out of 32 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Assurant Incorporated Group2 group companies filed it, led by American Bankers Insurance Company of Florida and American Security Insurance Company | 40 | 32 | 03 2210 00 | Oct 14, 2026 |
| Armed Forces Insurance Exchange | 32 | 32 | 03 2206 94 | Aug 27, 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 | Aug 16, 2024 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and MICO | 6 | 6 | 10 00 | Apr 24, 2023 |
| NEW London Cnty Group3 group companies filed it, led by New London County Mutual Insurance Co. and Danbury Insurance Company | 5 | 3 | 03 2204 91 | Apr 17, 2026 |
| THE Hanover Insurance Group2 group companies filed it, led by Massachusetts Bay Insurance Company and The Hanover Insurance Company | 4 | 2 | 10 00 | Feb 3, 2026 |
| American Family Insurance Group4 group companies filed it, led by Grain Dealers Mutual Insurance Company and NGM Insurance Company | 3 | 3 | 04 9110 00 | 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 | 06 9410 00 | Aug 26, 2025 |
| Tiptree Financial Group2 group companies filed it, led by Lyndon Southern Insurance Company and Insurance Company of the South | 3 | 3 | 10 00 | Sep 13, 2024 |
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States
Number of filings that include HO 04 77 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 Premises120 filings
- HO 00 03Homeowners 3 - Special Form118 filings
- HO 04 35Supplemental Loss Assessment Coverage118 filings
- HO 04 41Additional Insured - Residence Premises118 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits116 filings
- HO 04 40Structures Rented to Others - Residence Premises113 filings
- HO 04 16Premises Alarm, Water Leak Detection or Fire Protection System104 filings
- HO 04 90Personal Property Replacement Cost Loss Settlement104 filings
- HO 04 98Refrigerated Property Coverage86 filings
- HO 04 65Coverage C Increased Special Limits of Liability85 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 | 10 00 | TRUW-135088756 |
| Aug 27, 2026 | Armed Forces Insurance Exchange | CA | 03 22 | ARMD-134961669 |
| Aug 14, 2026 | Builder Reciprocal Insurance Exchange | NM | 10 00 | BRIE-135052376 |
| 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 |
| Mar 26, 2026 | American Bankers Insurance Company of Florida | RI | 03 22 | ASPX-134884482 |
| Mar 23, 2026 | Armed Forces Insurance Exchange | AR | 03 22 | ARMD-134879857 |
| Mar 20, 2026 | Interboro Insurance Company | SC | 10 00 | SAGE-134882886 |
| Mar 17, 2026 | Danbury Insurance Companyand 1 more | MA | 03 22 | NLCC-134869733 |
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 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
- HO 03 12 Windstorm or Hail Percentage Deductible
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