What is an HO-3 insurance policy?

The HO-3, or “special form,” policy is the most common type of homeowners insurance, namely because of its broad range of coverage and general affordability.  An HO-3 generally doesn’t limit coverage only to named perils, so it often can provide more financial protection than an HO-2. That means that a typical HO-3 form can protect you against any and all perils unless specifically excluded.  The HO-3 policy typically insures the home and attached structures (like a garage or deck), as well as belongings and personal liability.

Exclusions are specific to each policy, so it’s always wise to review with an attorney. Earthquakes and flooding are generally excluded from coverage on most HO-3 policies.

FEEL FREE TO CONTACT US FOR A FREE REVIEW OF YOUR HO-3 POLICY.

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