HO 04 92 Specific Structures Away From The Residence Premises – Actual Cash Value Loss Settlement

An Insurance Services Office (ISO) standard form. It covers scheduled structures you own away from the residence premises and use with it, up to the limits shown, settling losses at actual cash value. Structures used as dwellings, for business or rented out are not covered.

1. 02 17 edition

   Feb 2017, compared with 05 11

   • When the broadened home-sharing endorsement is attached, the endorsement no longer excludes structures used mainly for home-sharing host activities or rented to home-sharing occupants.

     05 11

     Not in this edition

     02 17

     “"Home-sharing occupant"; or”

Filed by one company only: 02 23 (American Family Insurance Group, 5 filings), 02 22 (Armed Forces Insurance Exchange, 32 filings), 01 18 (Westfield Group, 7 filings).

3 other edition dates appear in one or two filings each, often carrier-specific versions: 03 24, 10 23, 01/01/18.

Where filings record what this form replaced, they name other forms SH-385. Only some filings record replacements.

• Edition in use: in the past 12 months, 4 companies filed the 03 22 edition and 1 company filed 02 17.
• The newer 10 22 edition first appears Oct 18, 2022 and has been filed by 3 companies in 10 states so far.
• The 02 23 edition appears only in filings from American Family Insurance Group (5 filings in 5 states since Mar 30, 2023), which suggests a carrier-specific version.
• The 02 22 edition appears only in filings from Armed Forces Insurance Exchange (32 filings in 32 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 92 of the same filings (79%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• HO 04 10Additional Interests - Residence Premises92 filings
• HO 04 41Additional Insured - Residence Premises90 filings
• HO 00 03Homeowners 3 - Special Form89 filings
• HO 04 40Structures Rented to Others - Residence Premises89 filings
• HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families89 filings
• HO 24 71Designated Business Pursuits Liability Coverage87 filings
• HO 04 90Personal Property Replacement Cost Lost Settlement86 filings
• HO 00 06Unit-Owners 6 - Broad Form85 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits84 filings
• HO 04 12Increased Limits on Business Property82 filings