The short answer
HO-3 (Special Form) is the US standard: open-perils on the dwelling, named-perils on contents. HO-5 (Comprehensive) upgrades contents to open-perils and typically settles on replacement cost with lower documentation burden. Costs 10–20% more; worth it for high-value contents.
Frequently asked
- Is HO-5 available everywhere?
- In most states, but not all carriers write it. Ask specifically.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$3 per analysis · $9 for all 4 tools · No subscription