HO-5 (Comprehensive Form)

The HO-5 (Special Form) is a comprehensive homeowners insurance policy that provides broad coverage for your dwelling and personal property. It covers damage from various risks like fire, storms, theft, and vandalism, including many perils not typically covered in standard policies. Additionally, it offers higher coverage limits and broader protection for personal belongings and liability risks. This policy is designed for homeowners seeking extensive coverage, ensuring they are protected against a wide range of accidents and damages that could impact their property and assets.