HO-3 is the most common type of homeowners insurance because it covers the house, your belongings, liability coverage, medical payments to others, and additional living expenses. Unlike HO-1 and ...

Most home insurance policies include dwelling, other structures, personal property and liability coverages.” Homeowner insurance policies are labeled HO-1 through HO-8. An HO-3 is the most ...

Condo insurance is generally one of the cheaper homeowners insurance policies because it doesn't cover exteriors like an HO-3 policy. The average cost of condo insurance is $531 annually ...

However, if you're a member, you get multiple discount opportunities. Most AAA homeowners insurance meets HO-3 standards, meaning it covers your home, personal property and liability. However ...

Founded as the Automobile Mutual Insurance Company of America, Amica offers both HO-3 and HO-5 homeowners policies. A mutual company, Amica has policies that can pay dividends of up to 20%.