Where in a standard HO3 policy can I find what perils are insured against for each Cov A, Cov B and Cov C etc.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 15, 2012

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Insurance Question from Bakerville, IL

Asked on 11/15/2012

Where in a standard HO3 policy can I find what perils are insured against for each Cov A, Cov B and Cov C etc. I thought the perils were identified by the policy such as H03 has a set of perils HO5 has a list of perils and they apply each Cov letter.

Answer given on November 16, 2012

The homeowner policies cover in different ways. Under the HO3 the home, or Coverage A is covered under an “all risk” or “open perils” format. This means the home is covered for any peril that is not excluded under the policy. You need to go to the exclusions portion of the policy. That list is what is NOT covered under the policy for damages to the home. Coverage B is for detached structures on the residence and is covered in the same manner as Coverage A, unless your company has a specific list for coverage B.Coverage C is contents. The policy lists the specific perils that are covered for damage. It is not as broad as the coverage for the home. There are also exclusions for contents to further clarify the limitations for the listed coverage.If, after reviewing these portions of the policy, you still have a question regarding what is and is not covered, call your agent or insurance company and ask a specific question.

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