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BTCC / Hashtag / ho3 insurance policy definition
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What is the difference between HO-1 and Ho-3 homeowners insurance?

HO-1 insurance is a limited homeowners insurance policy that only covers you against 10 perils, while an HO-3 policy covers your home on an open perils basis and your belongings against all 16 main perils. HO-1 insurance typically offers bare-bones coverage and is not available in most states anymore.

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 the difference between HO-6 and Ho-3 insurance?

An HO-6 policy applies to condo owners. HO-3 insurance is a package policy that covers your home, other structures on your property, your personal property, personal liability and loss of use. An HO-3 insurance policy is the standard type of homeowners insurance coverage.

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