Coverage description
An Insurance Services Office (ISO) standard form. It covers up to $500 for property in freezers or refrigerators on the residence premises damaged by loss of power from damaged generating or transmitting equipment or by mechanical failure, with a $100 deductible, if the unit was properly maintained.
How the form has changed
The 03 22 edition updates the form date. The coverage wording is the same as 05 11.
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 | 88 | 16 | 39 | May 2022 to Oct 2026 |
| 05 11May 2011 | 32 | 19 | 19 | Nov 2021 to Aug 2026 |
| 10 00Oct 2000 | 11 | 17 | 11 | May 2022 to May 2026 |
| 04 91Apr 1991 | 6 | 7 | 5 | Nov 2021 to Sep 2025 |
3 other edition dates appear in one or two filings each, often carrier-specific versions: 02 22, 06 11, 10/01/00.
Where filings record what this form replaced, they name earlier edition 01 92. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 5 companies filed the 03 22 edition and 3 companies filed 05 11.
- HO 04 90 (Personal Property Replacement Cost Loss Settlement) is filed alongside it most often, in 103 of the same filings (74%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 98, out of 33 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 | 53 | 38 | 03 2205 11 | Oct 14, 2026 |
| QBE Insurance Group2 group companies filed it, led by Regent Insurance Company and QBE Insurance Corporation | 17 | 10 | 03 22 | Nov 26, 2024 |
| Insurance Services Office, Inc.Advisory Organization | 10 | 9 | 03 22 | Dec 4, 2024 |
| Westfield GroupOld Guard Insurance Company | 9 | 9 | 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 | 7 | 7 | 05 11 | Apr 24, 2023 |
| Berkshire Hathaway Group2 group companies filed it, led by United States Liability Insurance Company and Mount Vernon Fire Insurance Company | 6 | 6 | 05 11 | Nov 1, 2022 |
| American Family Insurance Group4 group companies filed it, led by Grain Dealers Mutual Insurance Company and NGM Insurance Company | 3 | 3 | 04 9105 1110 00 | Jun 23, 2025 |
| Homeowners of America Insurance Company | 3 | 3 | 03 2205 11 | Dec 20, 2024 |
| 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 |
| Gulf States GroupCoastal American Insurance Company | 2 | 2 | 05 11 | Aug 2, 2024 |
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States
Number of filings that include HO 04 98 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 90Personal Property Replacement Cost Loss Settlement103 filings
- HO 04 35Supplemental Loss Assessment Coverage92 filings
- HO 04 16Premises Alarm Water Leak Detection or Fire Protection System90 filings
- HO 04 10Additional Interests - Residence Premises89 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits86 filings
- HO 04 77Ordinance or Law Increased Amount of Coverage86 filings
- HO 04 41Additional Insured - Residence Premises85 filings
- HO 00 03Homeowners 3 Special Form82 filings
- HO 04 40Structures Rented to Others - Residence Premises75 filings
- HO 24 82Personal Injury Coverage70 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 |
| Aug 14, 2026 | Builder Reciprocal Insurance Exchange | NM | 05 11 | BRIE-135052376 |
| Jul 2, 2026 | American Bankers Insurance Company of Florida | HI | 03 22 | ASPX-135000706 |
| May 29, 2026 | Old Guard Insurance Company | MI | 10 00 | WSFG-G134947110 |
| May 21, 2026 | American Bankers Insurance Company of Florida | CT | 03 22 | ASPX-134953144 |
| 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 17, 2026 | Danbury Insurance Companyand 1 more | MA | 03 22 | NLCC-134869733 |
| Feb 17, 2026 | American Security Insurance Company | GA | 03 22 | ASPX-134839174 |
| Jan 16, 2026 | American Bankers Insurance Company of Florida | MO | 03 22 | ASPX-134800312 |
| Jan 14, 2026 | American Bankers Insurance Company of Florida | VT | 03 22 | ASPX-134790857 |
| Jan 9, 2026 | American Bankers Insurance Company of Florida | WI | 03 22 | ASPX-134791049 |
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 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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