The HO 5 insures the described owner-occupied dwelling, other structures in connection with the dwelling, unscheduled personal property on and away from the premises, and loss of use.

This policy also provides personal liability coverage and medical payments coverage.

This is the broadest homeowners form, as coverage is on an all risks basis for both the dwelling and other structures, as well as personal property.

Part of the Insurance Services Office, Inc. (ISO), homeowners forms portfolio.


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