What is better HO3 or HO5?

InsuNews May 23, 2022

What is better HO3 or HO5?

An HO-3 policy only covers personal property for named perils, while an HO-5 policy covers personal property for open perils. In simple terms, this means an HO-5 insurance policy is more comprehensive and covers damage to your personal property in all cases, except damage specifically excluded from your policy. Feb 23, 2022

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