What is HO3 used for?
HO3 is typically used for owner-occupied homes because it offers reliable, affordable coverage for common risks. HO3 policies typically pay for: Damage to the home (Coverage A). Damage to other structures on your property, like fences or detached garages (Coverage B).
What is the difference between HO3 and ho2?
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.
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[PDF] Your Guide to Homeowners Insurance – For Michigan Consumers
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