HO-5: Comprehensive Form

The HO-5 form, or comprehensive form homeowners insurance, offers the most extensive coverage for homeowners. It provides "open peril" protection for both the home and personal property, meaning all risks are covered unless specifically excluded. HO-5 typically includes higher coverage limits, replacement cost coverage for personal property, and broad liability protection. It is ideal for those seeking maximum security for their home and belongings.

HO-5 POLICY TYPE: Open Peril (All-Risk)

HO-5 DWELLING COVERAGE: Replacement Cost (RC)

HO-5 PERSONAL PROPERTY COVERAGE: Replacement Cost (RC)

WHO IS THE HO-5 FORM FOR?  The HO-5 policy is designed for homeowners with high-value personal property within the residence or for those who want to pay extra for the peace of mind of additional coverage.  

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HO-5 POLICY COVERAGE:

• Dwelling Coverage: YES
• Other Structures Coverage: YES
• Personal Property Coverage: YES
• Additional Living Expenses (ALE): YES
• Personal Liability Coverage: YES
• Medical Payments Coverage: YES

HO-5 PERILS COVERED: 

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Aircraft
• Vehicles
• Smoke
• Vandalism and mischief
• Theft
• Volcanic eruptions
• Falling Object
• Weight of ice, snow or sleet
• Water/Steam Accidental Discharge or Overflow
• Water/Steam tearing, cracking, burning, or bulging
• Freeze: plumbing, heating, AC, fire sprinkler, appliance
• Artificially generated Electrical Current damage
• All perils except flood, earthquake, war, nuclear accident, landslide, mudslide, sinkhole and others specified in the policy.