Guides › Basics
What Is an HO-3 Homeowners Policy?
HO-3 is the most common homeowners form. It covers the dwelling against most causes of loss unless excluded, and belongings against named perils.
Advertisement
Quick tips
- The dwelling is covered on an open-perils basis
- Belongings use named perils
- Always read the exclusions
Ask your agent: How does this apply to my home and state, and what are the limits and exclusions for what is an ho-3 homeowners policy?
Related guides
- Buying Home Insurance From an Agent vs Online
- How Much Home Insurance Do I Need?
- Home Insurance When Buying a House
- What to Do When Your Home Insurance Renews
- How to Cancel Home Insurance Without a Gap
- Home Insurance for First-Time Buyers
- Water Backup Coverage
- How to Find Cheap Home Insurance
Advertisement