: Protects the physical structure of your home (walls, roof, etc.).
: Provides financial help if someone is injured on your property and you are found responsible.
Knowledge Base / FAQ: What is a ZIP file and how do I install a ... - ESI
: Unlike basic policies that only cover specifically listed risks, an HO-3 policy covers all types of damage to your home’s structure unless the cause is explicitly excluded in the policy documents.
: Most mortgage lenders require homeowners to carry at least an HO-3 level of insurance to protect their investment in the property.
