HO-3 Vs. HO-5 Homeowners Insurance Policy - MoneyGeek

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HO-3 vs. HO-5 Homeowners Insurance Policy

An HO-5 home insurance policy differs from an HO-3 policy in that it is more comprehensive, offering replacement cost for dwelling and personal property coverage and high coverage limits for valuable items.

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Banner imageMWByMargaret WackEdited byVictoria CopansMWByMargaret WackEdited byVictoria Copans

Updated: September 22, 2023

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On This Page:
  • Difference in Coverage
  • Is HO-3 or HO-5 Better for You?
  • What's Not Covered
  • Cost Difference
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About Margaret Wack

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Margaret Wack is a freelance writer who covers insurance, saving, investing, banking and more. Margaret earned a bachelor's degree in classics, comparative literature and poetry from Smith College and a master's degree from St. John's College.

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