HO-3 Policy
The most common type of homeowners insurance policy in the United States. An HO-3 covers your home's structure against all perils except those specifically excluded, and covers your personal property against a list of named perils. It strikes a balance between broad protection and affordable cost.
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Disclaimer: This glossary entry is for informational purposes only and does not constitute financial or insurance advice. Consult with a licensed insurance professional for personalized guidance. GuardianChoices may earn affiliate commissions from links on this site — see our advertiser disclosure.
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