Homeowners HO-3 program
Direct Physical Loss Replacement Cost Coverage, targets markets to 75 years and newer, 750 square feet minimum and values from $70,000 minimum. Maximum limits from $600,000 to $1,000,000 vary by state.
Available in Arizona, California, Georgia and Nevada.
  • Preferred Tier rating.
  • Other Structures: Direct Physical Loss Replacement Cost.
  • Personal Property: Up to 70% of Dwelling Limit, Actual Cash Value (Replacement Cost Coverage available for additional charge).
  • Loss of Use: 20% of Dwelling.
  • Personal Liability: $100,000 policy limit included (higher limits available for additional charge).
  • Medical Payments
  • Earthquake: Available in California and Georgia, 10% deductible, must be frame construction and bolted to a full concrete foundation.
  • Pools & Spa: must be completely fenced, filled and maintained.
  • Ordinance or Law Coverage
  • Many discounts available