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.HOMEOWNERS 3 – SPECIAL FORM AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy. DEFINITIONS A. In this policy, “you” and “your” refer to the “named insured” shown in the Declarations and the spouse if a resident of the same household. “We”, “us” and “our” refer to the Company providing this
A homeowners insurance (HO-3) policy is a coverage plan that covers your home’s structure, your personal belongings and liability in the event of damage or injury. Typically, an HO-3 policy will also cover additional living expenses and protection for other structures on your property. Sometimes noted as a “special form” policy, it is
HOMEOWNERS 6 – UNIT-OWNERS FORM AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy. DEFINITIONS A. In this policy, “you” and “your” refer to the “named insured” shown in the Declarations and the spouse if a resident of the same household. “We”, “us” and “our” refer to the Company providing
Definition. Homeowners Policy Special Form 3 (HO 3) — part of the Insurance Services Office, Inc. (ISO), homeowners forms portfolio, the HO 3 insures the described owner-occupied dwelling, private structures in connection with the dwelling, unscheduled personal property on and away from the premises, and loss of use. Personal liability
HOMEOWNERS 3 SPECIAL FORM AGREEMENT We will provide the insurance descri bed in this policy in return for the premium and compliance with all applica-ble provisions of this policy. DEFINITIONS In this policy, “you” and “your” refer to the named “in-sured” shown in the Declarations and the spouse if a resident of the same household. “We”, “us” and “our” refer to the company providing this For your home and other structures, HO3 is an open-perils policy. That means your insurance company can pay for damage to your home unless it’s caused by an event listed in the policy as an exclusion. Some common HO3 policy exclusions are: Earth movement, such as an earthquake, sinkhole, and mudflow.
the prior form, dated October 2000, “only applies to the HO3 October 2000 edition.”v Homeowners’ policies in effect when Hurricane Sandy struck the east coast on October 29, 2012, may still have been written on the older HO3 2000 policy form. The change from the 2000 HO3 to the 2011 HO3 policy form exclusion for water damage is
Rejection Form (HO3). • Dwellings with duplicate coverage. • Dwellings not insured between 95% and 125% of replacement cost, as verified by ISO’s 360Value (HO3). PRIOR INSURANCE • Lapse in coverage greater than 60 days (HO3). LOCATION • Dwellings located on more than 5 acres. • Dwellings located entirely or partially over water.
What is an HO3 policy? If you have a mortgage, a HO3 policy is the minimum amount of coverage your lender will request. HO3 insurance policies provide broad coverage for all types of homes. HO3 homeowners insurance policies typically cover damage from 16 named perils: Fire or lightning Smoke Explosions Freezing Windstorm or hail
Microsoft Word – PH Choice Comparison Doc_Citizens_HO3_FINAL_12.17.18.docx Author: jmaddox Created Date: 2/6/2019 3:25:48 PM
The HO-3 policy is actually a combination of an “open perils” policy and a “named perils” policy. It’s considered a combination because it will cover your Dwelling (the physical house, and attached structures) on an open perils basis and your personal property (your things) on a named peril basis only.
SPECIAL FORM AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy. DEFINITIONS In this policy, “you” and “your” refer to the “named insured” shown in the Declarations and the spouse if a resident of the same household. “We,” “us” and “our” refer to the Company providing this insurance. In
SPECIAL FORM AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy. DEFINITIONS In this policy, “you” and “your” refer to the “named insured” shown in the Declarations and the spouse if a resident of the same household. “We,” “us” and “our” refer to the Company providing this insurance. In
