HO3 Policy vs HE7 & HE20

Get a detailed comparison of the different types of Homeowner's Policies

Note:This chart is not an insurance contract. It is merely an overview of the coverage limits and how they pertain to each policy form.

Your policy is the contract that specifies and fully describes your coverage.

Please note that there may be additional endorsements that can be purchased for a premium.

Please read your policy carefully and consult your agent with any questions.

Policy Form	HO-3	HE-7	HE-20
Property Coverage
Other Structures	10% of Coverage A	10% of Coverage A	10% of Coverage A
Personal Property	70% of Coverage A	70% of Coverage A	70% of Coverage A
	Actual Cash Value	Guaranteed Replacement Cost	Guaranteed Replacement Cost
	Replacement Cost can be added.
Loss of Use
Due to Civil authority	2 Weeks	30 Days	30 Days
Due to loss of power	N/A	7 Days	7 Days

Personal Property
Loss Settlement	Actual Cash Value	Replacement Cost	Replacement Cost
	Replacement Cost can be added.
Special Limits
Securities	$1,500	$5,500	$5,500
Money, Bank Notes, etc.	$200	$1,000	$1,000
Watercraft (including trailers)	$1,500	$1,500	$2,500
Trailers(not used with watercraft)	$1,500	$1,500	$3,500
Jewelry, Watchers, Furs	$1,500	$5,500	$5,500
Silverware	$2,500	$10,000	$10,000
Firearms	$2,500	$10,000	$10,000
Additional Coverage
Trees, Shrubs, and Plants	500	$1,000 per item	$1,000 per item
Fire Department Service Charge	$500	$1,000	$1,000
Debris Removal	$500 for all fallen trees	$1,000 for all fallen trees	$1,000 for all fallen trees
Refrigerated Property	N/A	$500	$500
Credit and Fund Transfer Cards	$500	Policy Limits	$5,000
Lock Replacement	N/A	N/A	up to $500
Water backup	N/A	Included	Included

Premium	Base	Add ~10%	Add ~15%

Note:This chart is not an insurance contract. It is merely an overview of the coverage limits and how they pertain to each policy form. Your policy is the contract that specifies and fully describes your coverage. Please note that there may be additional endorsements that can be purchased for a premium. Please read your policy carefully and consult your agent with any questions.

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