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Homeowners Form Codes

Homeowners form codes describe the type and breadth of coverage in a homeowners policy. HO-3 is the most common form for owner-occupied homes; HO-5 provides the broadest coverage; HO-6 is for condo owners.

Industry codes for the standard homeowners policy forms. HO-1 is a basic named-peril form (rare today). HO-2 is a broad named-peril form. HO-3 is the most common owner-occupied form: open peril on the structure, named peril on contents. HO-5 is the broadest: open peril on both structure and contents. HO-6 is the condo-owner form. HO-8 is for older homes where rebuild cost would far exceed market value, paying repair cost instead. Example: a typical owner-occupied single-family home in good repair is usually written on HO-3 or HO-5. A condo unit is HO-6.