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What is Ho-3 coverage?

HO-3 coverage — also known as a special form homeowners insurance policy — is an open peril policy that covers the physical structure of your home against all perils (a cause of loss) except for those specifically excluded listed on your policy.

What is a HO-1 home insurance policy?

An HO-1, also called the basic form, is a named perils policy for both your dwelling and personal property. As the most stripped-down homeowners insurance policy, HO-1 forms cover fewer perils than an HO-2 or HO-3 policy.

What is the difference between HO-1 and Ho-3 homeowners insurance?

An HO-2 policy, which is also referred to as the Broad Form, is a basic homeowners insurance that covers perils listed on an HO-1 policy plus additional perils. Your dwellings, other structures, and personal property are covered against perils explicitly named in the policy. An HO-3 policy is the most widely used form of homeowners insurance.

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