What is the difference between an HO-2 and an HO-3?
An HO-2 policy puts The burden of proof is yours to prove that your loss was caused by one of the named perils. The HO-3, on the other hand, is what is called an "open" perils policy. Everything is covered except what is specifically excluded. For example - earth movement, flood, nuclear hazard, and war are excluded.
What perils are covered under an HO-3 policy?
For most Floridians, a standard (HO3) homeowners policy covers a range of Named Perils which typically include: Weather events: lightning, windstorms, hailstorms, and named storms or hurricanes. Other events: explosions, falling objects, fire, smoke, or volcanic eruption.
What is the difference between an HO-3 and an HO 5?
The HO3 and HO5 policies both cover a policyholder's house on an open peril basis. The difference is in how it protects personal property. HO5 comes with better coverage, meaning it also comes with a higher price. The value is based on whether the additional cost is worth the benefit.
What is the difference between a ho-3 and a ho-6?
The main difference is the type of properties they cover. HO-3 insurance covers standard homes, whereas HO-6 insurance covers condos. Another difference is what portions of the property each policy covers.
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[PDF] HO-3 vs HO-2 Perils
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[PDF] HO-3 Coverage Worksheet - Citizens Property Insurance
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[PDF] Homeowners (HO-3) Program - JE Brown
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