Coverage description
An Insurance Services Office (ISO) standard form. Settles covered personal property losses at replacement cost instead of actual cash value, with exceptions for property that cannot be replaced.
What the form says
Key clauses from the latest edition, 03 22 (Mar 2022), quoted as filed.
“is more than $1,000, we will pay no more than the actual cash value for the loss until the actual repair or replacement is complete”
HO 04 90 03 22 · New in this edition
Repair before full payment, above $1,000. Raised from $500 in the 03 22 edition.
“Replacement cost at the time of loss without deduction for depreciation”
HO 04 90 03 22
No depreciation. The core change from actual cash value settlement.
“within 180 days after the date of the loss, of your intent to repair or replace the damaged property”
HO 04 90 03 22
180 days to decide. The insured can take actual cash value first and claim the difference later.
“Antiques, fine arts, paintings and similar articles of rarity or antiquity, which cannot be replaced.”
HO 04 90 03 22
Not eligible. Settled at actual cash value instead.
How the form has changed
2 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 editionRaises the repair-first threshold from $500 to $1,000.
05 11
“is more than $500”
03 22
“is more than $1,000”
05 11 edition
May 2011, compared with 10 00The 180 day notice must state the intent to repair or replace.
10 00
“notify us of your intent to do so within 180 days”
05 11
“within 180 days after the date of the loss, of your intent to repair or replace the damaged property”
The 09 22 edition date in filings belongs to a carrier's own replacement cost form with different terms, such as a 12 month repair window. It is not a standard edition.
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 09 22Sep 2022 | 15 | 3 | 15 | Dec 2022 to Dec 2023 |
| 03 22Mar 2022Latest | 76 | 15 | 33 | May 2022 to Oct 2026 |
| 05 11May 2011 | 38 | 20 | 18 | Nov 2021 to Aug 2026 |
| 10 00Oct 2000 | 7 | 12 | 7 | Apr 2023 to May 2026 |
| 04 91Apr 1991 | 4 | 6 | 4 | Nov 2021 to Jan 2025 |
Filed by one company only: 02 22 (Armed Forces Insurance Exchange, 28 filings).
9 other edition dates appear in one or two filings each, often carrier-specific versions: 03 26, 01 25, 07 24, 02 24, 06 23, 10 22, 01 22, 01 12, 10/01/00.
Where filings record what this form replaced, they name other forms 2350, F-348, HO 23 50, HO 7490, ML-55. 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 05 11.
- The newer 09 22 edition first appears Dec 21, 2022 and has been filed by 3 companies in 15 states so far.
- The 02 22 edition appears only in filings from Armed Forces Insurance Exchange (28 filings in 25 states since Jan 7, 2022), 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 (67%).
Filed under
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 90, 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 | 45 | 32 | 03 2205 11 | Oct 14, 2026 |
| Armed Forces Insurance Exchange | 31 | 28 | 02 2201 2201 25 | May 14, 2026 |
| American Family Insurance Group7 group companies filed it, led by American Family Insurance Company and American Family Mutual Insurance Company, S.I. | 20 | 19 | 09 2204 9105 11 | Jun 23, 2025 |
| QBE Insurance Group2 group companies filed it, led by Regent Insurance Company and QBE Insurance Corporation | 14 | 8 | 03 22 | Oct 30, 2024 |
| Acuity, A Mutual Insurance Company | 7 | 7 | 03 22 | Jul 2, 2026 |
| Westfield GroupOld Guard Insurance Company | 7 | 7 | 10 0010/01/00 | May 29, 2026 |
| Encova Mutual Insurance Group4 group companies filed it, led by Motorists Mutual Insurance Company and Iowa Mutual Insurance Company | 6 | 6 | 05 11 | Apr 24, 2023 |
| Hastings Mutual Insurance Company | 6 | 5 | 05 11 | Mar 13, 2025 |
| Insurance Services Office, Inc.Advisory Organization | 5 | 5 | 03 22 | Aug 16, 2024 |
| Utica Group2 group companies filed it, led by Founders Insurance Company and Utica Mutual Insurance Company | 5 | 4 | 05 1103 22 | Nov 15, 2023 |
How the largest insurers handle HO 04 90
Groups among the largest homeowners insurers that filed HO 04 90 or their own version in the past five years.
- Allstate Insurance GroupFiles its own version: AVP595 Personal Property Replacement Cost Loss Settlement (1 state)
See more forms
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States
Number of filings that include HO 04 90 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 04 41Additional Insured - Residence Premises113 filings
- HO 00 03Homeowners 3 - Special Form110 filings
- HO 04 35Supplemental Loss Assessment Coverage105 filings
- HO 04 77Ordinance or Law Increased Amount of Coverage104 filings
- HO 04 16Premises Alarm, Water Leak Detection or Fire Protection System103 filings
- HO 04 98Refrigerated Property Coverage103 filings
- HO 04 40Structures Rented to Others - Residence Premises97 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits94 filings
- HO 00 06Homeowners 6 - Unit- Owners Form86 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 |
| Aug 14, 2026 | Builder Reciprocal Insurance Exchange | NM | 05 11 | BRIE-135052376 |
| Jul 2, 2026 | Acuity, A Mutual Insurance Company | IL | 03 22 | ACUT-134943551 |
| Jul 2, 2026 | American Bankers Insurance Company of Florida | HI | 03 22 | ASPX-135000706 |
| Jun 24, 2026 | Acuity, A Mutual Insurance Company | IN | 03 22 | ACUT-134949931 |
| Jun 10, 2026 | Acuity, A Mutual Insurance Company | WI | 03 22 | ACUT-134943553 |
| Jun 9, 2026 | Acuity, A Mutual Insurance Company | IA | 03 22 | ACUT-134943552 |
| Jun 9, 2026 | Acuity, A Mutual Insurance Company | KS | 03 22 | ACUT-134949932 |
| Jun 9, 2026 | Acuity, A Mutual Insurance Company | MO | 03 22 | ACUT-134949934 |
| Jun 3, 2026 | Acuity, A Mutual Insurance Company | TN | 03 22 | ACUT-134949935 |
| May 29, 2026 | Old Guard Insurance Company | MI | 10 00 | WSFG-G134947110 |
Related coverage topics
Most filed ISO HO forms
- HO 00 03 Homeowners 3 Special Form
- 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
- HO 03 12 Windstorm or Hail Percentage Deductible
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