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HO-5

🏠 Home & Property

A premium homeowners policy with open-perils coverage on both the structure and your belongings. Broader than an HO-3.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.

Dwelling Coverage (Coverage A) Other Structures (Coverage B) Personal Property (Coverage C) Loss of Use (Coverage D) Personal Liability (Coverage E) Medical Payments (Coverage F) HO-3 HO-4 (Renters)

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