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An HO-3 is the most common form of a homeowner's policy. There are many other homeowners forms including the following: HO-1, HO-2, HO-4 (Rented Home), HO-5, HO-6 (Condominium), HO-8, HO-10. Some of these are replacement cost policies and some are actual cash value policies. Some are for condos and some are for people who are renting a home and need coverage for their items inside the home only. There are different policies for different needs. There are also many different endorsements for policies to cover just about any case that can arise.
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