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"Homeowners" text over photo of a homeowners house

This product provides a package of coverage for a full-time or seasonal home that because of its value, age, or claim history needs an alternative to HO-3 coverage. It includes named peril coverage, with Broad Form peril upgrades, plus a replacement cost settlement upgrade. Water damage is an option.

When to write

  • Full-time or seasonal home that does not qualify for, or need, HO-3 coverage
  • Package coverage wanted

What’s eligible

  • Single-family or two-family home
  • Values up to $500,000
  • No age limit in most states (a 20-year roof age limit typically applies)
  • Average condition or better
  • Town home or row home

Important options

  • Enhanced coverage adds collapse, weight of snow/ice, power surge, falling objects, glass breakage as causes of loss
  • Water damage from 10% Coverage A to full coverage, with $5,000 or $10,000 mold remediation sublimit
  • Water backup from drain or sump pump overflow
  • Theft
  • Service line failure
  • Ordinance or law

Included coverage

  • Named peril protection
  • ACV settlement with full repair or replacement cost options
  • Personal property covered with ACV settlement
  • Liability from $25,000 to $500,000

Other programs to consider

For a one- or two-family seasonal home, look at the Homeowners FLEXSM program. It offers open peril coverage and replacement cost protection configured as a package similar to HO-3.

In other states, our Homeowners program accepts seasonal homes that do not need open peril or replacement coverage.

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.