Homeowners 3 special form pennsylvania - Homesite Insurance 2025

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HO-3 (special form) Additionally, HO-3 insurance protects against damage to your belongings from named perils and provides personal liability coverage if youre sued. Learn more about how homeowners insurance works and what home insurance covers.
With Special Form coverage, policyholders have extensive protection against a vast array of perils, ranging from basic causes of loss like fire or theft to special losses such as ice-damming or an employee accidentally driving a vehicle into the side of the building (as basic and broad form exclude vehicular collision
An HO-3 policy is a form of home insurance that protects against property damage, legal liabilities and other expenses associated with unexpected disasters to the home.
HO-3 coverage also known as a special form homeowners insurance policy is an open peril policy that covers the physical structure of your home against all perils (a cause of loss) except for those specifically excluded listed on your policy.
The Homeowners Policy Special Form 3 (HO 3) is 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.
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HO-3 policies offer more expansive coverage than HO-2s, meaning that your homes structure is safeguarded against all perils except for those specifically excluded (for example, earthquakes and floods) in your policy.
Special form coverage protects property against any source of loss that is not specifically excluded. Under named peril coverage, the policyholder may have to prove that a loss was caused by a listed peril. With special form coverage, the burden is on the insurance company.

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