Homeowners Coverage Options
HO-3 — Special form; the most common form also known as "special form". This insures your home and attached structures such as a detached garage or a deck. Earthquake and flood can be added.
HO-4 — Tenant’s form; This is for renters, It covers personal property only (contents) usually covers additional living expenses should you need to stay elsewhere temporarily while your apartment is getting fixed up.
HO-6 — Condo form; designed specifically for condo owners and financially protects belongings and personal liability, The rest of the condo's structure is usually covered by a policy purchased by the homeowner's association.
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