MY HOME AND FAMILY

I own a home, condo, or rental property

I drive and want real protection, not just minimums

I rent and my landlord's policy does not cover me

Against a Big Loss

One lawsuit could wipe out everything I have built

Against Flooding

My standard policy covers zero flood damage

My Rental Income

I rent out a property and need landlord coverage

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MY BUSINESS

My Business Property and Liability

I need one policy that covers my business basics

Against a Customer Claim

Someone got hurt or I caused damage to their property

My Business Vehicles

My personal auto policy does not cover business use

Workers comp is required for most employers

Against a Data Breach

A cyberattack could cost my business $200,000 or more

My Professional Work

My advice or service caused a loss and I am being sued

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PERSONAL

TravelersComplex homes ProgressiveAuto bundling NationwideBroad coverage SafecoMid-range homes OpenlyHigh value homes HippoNewer construction

COMMERCIAL

TravelersBroad commercial The HartfordSmall business NationwideMid-market CNAProfessional liability HanoverComplex risks AIGHigh value risks

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🍑 Georgia

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Carrier

What's the difference between HO-3 and HO-5?

HO-5 covers both your home (dwelling) AND your personal property on an open-perils basis. Standard HO-3 covers the dwelling open-perils but personal property only on a named-perils basis. Translation: under HO-5, if a loss happens and the cause is not specifically excluded, your contents are covered. Under HO-3, you have to prove the loss fits one of the named perils. Openly writes HO-5 by default. Most Georgia carriers write HO-3 and require an endorsement (or do not offer HO-5 at all) to upgrade.

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