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An HO-3 policy is considered an "all risk" policy, meaning a loss is covered unless it is specifically excluded. Review the "exclusions" portion of your policy to see what type of losses are excluded. An HO-3 policy affords an insured more protection than any other policy. I would recommend purchasing the HO-3 policy if you are in the market for insurance.

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15y ago

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Q: What perils are covered on a HO3 homeowners policy?
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