: 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.
: Protects the physical structure of your home (walls, roof, etc.). HO03.zip
: Most mortgage lenders require homeowners to carry at least an HO-3 level of insurance to protect their investment in the property. : 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