HO3 vs HO5 - What's the difference between these homeowners policy forms?
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HO3 vs HO5 - What's the difference between these homeowners policy forms?
•HO-3 policy is a Named Peril policy that can be endorsed to offer more (it only covers a list of 15 or so specified causes of loss and it will NOT cover Flood or Earthquake damage unless this coverage was endorsed on).• HO-5 policy is an open peril policy (covers all types of sudden and accidental losses except Flood & Earthquake damage ...
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