Form No. 3 Special Homeowners Insurance (HO-3)

Last updated: May 26, 2017

What Does Form No. 3 Special Homeowners Insurance (HO-3) Mean?

Form No. 3 (HO-3) is a type of home insurance policy that provides coverage over the home and structures both attached and detached against loss or damage caused by all perils, except those specifically excluded in the contract. HO-3 also covers personal belongings inside the primary residence, but only against named perils.


Insuranceopedia Explains Form No. 3 Special Homeowners Insurance (HO-3)

HO-3 is generally the one purchased for single family homes. It is one of the most comprehensive. Usually, it excludes the following perils from coverage:

  • Neglect
  • Intentional loss
  • Vandalism or malicious mischief occurring while home is vacant for at least 60 days
  • War
  • Government action
  • Earthquake
  • Collapse
  • Nuclear hazard
  • Smog, corrosion, and rust
  • Water damage, except accidental, and sudden overflow
  • Power failure
  • Mechanical breakdown
  • Wear and tear
  • Smoke from industrial operations
  • Discharge and seepage of pollutants
  • Molds, fungus, or wet rot
  • Birds, rodents, insects
  • Animals belonging to the insured
  • Theft when the dwelling is under construction

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