Aug 26, 2025 · Also called a homeowners policy special form, an HO-3 policy is the most common form of home insurance. What separates an HO-3 from policies with more limited …

Dec 29, 2025 · An HO-3 policy is the standard homeowners insurance that covers your home against almost all types of damage and your belongings for specific, named risks. Find out if …

Aug 1, 2025 · HO-3 insurance is the most common type of home insurance policy. Standard HO-3 policies provide coverage for your home’s structure, contents, liability, medical payments and …

Sep 19, 2025 · So, what is an HO3 policy? HO3 home insurance, or HO-3 insurance, is the most common home insurance coverage, and most private property insurance companies offer it.

Most homeowners’ first (and sometimes only) experience with home insurance is a special form of HO3 policy, or simply an “HO3.” In fact, HO3 policies are the most commonly purchased …

Dec 1, 2025 · 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 …

Aug 6, 2025 · An HO3 policy is the most commonly used homeowners insurance policy, protecting you, your family, and your property (including your personal belongings) against …

Jun 23, 2025 · HO-3 insurance is the most common type of homeowners insurance available. It covers your home if it’s destroyed or damaged by events including natural disasters, theft, and …

Mar 17, 2025 · Understand HO-3 insurance, its coverage, exclusions, and policyholder responsibilities to make informed decisions about your homeowners insurance. Home …

Jun 12, 2025 · 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. HO-3 homeowners …