0
An HO8 is a named peril policy, meaning you are only insured for the perils listed in the policy. An HO3 is an "all risk" policy, which means you are covered for all losses unless the peril is specifically excluded under the policy. As you can see the HO8 is a lot more restrictive. The premium may be cheaper but it offers less coverage.
Still curious? Ask our experts.
Chat with our AI personalities
DevinI've poured enough drinks to know that people don't always want advice—they just want to talk.
Chat with Devin
BlakeAs your older brother, I've been where you are—maybe not exactly, but close enough.
Chat with Blake
RafaThere's no fun in playing it safe. Why not try something a little unhinged?
Chat with RafaAdd your answer:
Earn +20 ptsQ: What is the main difference between an HO8 and a HO3?
Write your answer...
Submit
Still have questions?
Trending Questions
Why do your blinkers not work when your brake lights do work?
Why does your car clunk when you take off from a stop?
Can you get a ticket if you have the right of way and a car exiting a driveway hits me?
What is a grease fitting?
Is auto insurance mandatory in California?
What kind of oil does a 1998 jeep 4X4 wrangler take?
If vehicle must have a horn which can be heard from a distance of how many feet?
How do you remove oil pan 4.2 ford f150 2003?
Can you get a ticket for driving slower than the posted speed limit?
How I adjust my 350 Chevy transmission?
How does acceleration effects your everyday life?
Burning rubber smell and possible clicking noise from car?
Turn On The Autosave Feature?
Because it rained yesterday it's time to buy that new lawnmower?
Where can you find information on dump truck jobs?
What car dealerships are trustworthy?
Is mold in basement covered by insurance?
What is the penalty for leaving the scene of an accident in Georgia?
Does the 2014 GMC Sierra-1500 include free maintenance?
What was the date of the first car invented?
Copyright ©2025 Infospace Holdings LLC, A System1 Company. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Answers.