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which ho policy covers open perils personal property

1Answers
Jasper
11/28/2025, 06:08:39 AM

An HO-5 homeowners insurance policy provides comprehensive coverage for personal property on an open-perils basis, protecting against all risks except those specifically excluded. In contrast, an HO-3 policy covers the dwelling and other structures on an open-perils basis but limits personal property coverage to named perils only, offering less protection for belongings than an HO-5 policy.

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