An HO-1 policy, informally known as a “bare bones” policy, is a type of homeowners insurance that offers basic coverage. This ...

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What separates an HO-3 from policies with more limited coverage — such as HO-1 and HO-2 — is that your dwelling is covered against all perils except those specifically listed as exclusions. This type ...

The second difference is a bit more complicated. There are three main types of standard home insurance: HO-1, HO-2 and HO-3. Of these, HO-2 insurance is the most similar to HO-4 coverage because ...

The most common homeowners insurance policy is special form HO-3, which is more broad than HO-1 or HO-2 coverage, but less broad than HO-5. What is HO-3 insurance? HO-3 insurance is the type of ...

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Here is a list of our partners and here's how we make money. Nerdy takeaways Condo insurance, also known as HO-6 insurance, is designed to cover what your condo association’s master policy won’t.