Homeowners Coverage Comparison with Standard HO-3


Policy Form

Standard HO-3
American Modern Specialty Homeowners(HO-10)

Action To Balance The Coverage
A. Dwelling Coverage
Fire, Lightning and Internal Explosion
Yes
Yes
Smoke
Yes
Yes
Explosion
Yes
Yes
Windstorm/Hail
Yes
Yes
Riot/Civil Commotion
Yes
Yes
Aircraft
Yes
Yes
Vehicles
Yes
Yes
Volcanic Eruption
Yes
Yes
Vandalism or Malicious Mischief
Yes
Yes
Burglary (Requires forced entry)
Yes
Yes
Earth Movement, Flood, Neglect, War, Nuclear Hazard, and Intentional Loss
Yes
No
Theft
Yes
No
Add Theft End
Water from plumbing, heating, or A/C
Yes
No
Add Enhanced Coverage Endorse
Collapse
Yes
No
Add Enhanced Coverage Endorse
Freezing
Yes
No
Add Enhanced Coverage Endorse
Sudden And Accidental Damage From Artificially Generated Electrical Current
Yes
No
Add Enhanced Coverage Endorse
B. Other Structures
Limit
10% of Coverage A
10% of Coverage A
C. Personal Property
Fire, Lightning and Internal Explosion
50% of Coverage A
40% of Coverage A
Increase Personal Property
PPRC
Available
No
Add PP Replacement Cost End.
On Premises
100% of Coverage C
100% of Coverage C
Off Premises
10% of Coverage C
10% of Coverage C
D. Loss of Use
Limit
20% of Coverage A
10% of Coverage A
Increase Loss of Use
Debris Removal
Reasonable Expense
Reasonable Expense
Property Removed
Covered for up to 30 days
Covered for up to 30 days
Fire Dept. Service Charge
$500
$500
Plants, trees, shrubs, & lawns
5%
5%
E. Loss Settlement
Dwelling
RC
ACV
Add Dwelling Replacement Cost
Other Structures
RC
ACV
Add Dwelling Replacement Cost
Personal Property
RC/ACV
ACV

Start your quote on modernLINK® or AMsuite®
Need help qualifying a risk or quoting?
Call us at 800-543-2644.