: Unlike basic policies that only cover specifically listed risks, an HO-3 policy covers all types of damage to your home’s structure unless the cause is explicitly excluded in the policy documents.
: The HO-3 form is a standardised document used across the industry, making it easier to compare quotes between different insurance companies. HO03.zip
: Provides financial help if someone is injured on your property and you are found responsible. : Unlike basic policies that only cover specifically
: Covers your belongings, such as furniture and electronics, though usually on a "named perils" basis (only for specifically listed events like fire or theft). such as furniture and electronics