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HO5 and HO3 refer to different types of homeowners insurance policies in the United States.

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What Is the Difference Between Ho3 and Ho5 Homeowners Policies? - CivilDetail
civildetail.com

What Is the Difference Between Ho3 and Ho5 Homeowners Policies? - CivilDetail

The difference between HO3 and HO5 homeowner's policies is that both HO3 and HO5 policies cover the policyholder's home on a problematic