What does the term ho 03 or ho 6 mean on homeowners insurance policy?

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1214481

2026-02-25 12:05

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Every "homeowners" insurance policy in State of Florida is designated HO. The number after it indicates what type of policy it is. H0-1 typically indicates it is a Dwelling policy, which usually provides the most basic coverage. HO-3 indicates whats called "Special Form" coverage, which is typically the most inclusive and comprehensive. HO-6 indicates that it is a Condominium coverage type policy. Please read your policy for any further detail/explaination. This is a broad explaination that may not apply to all specific policies. If you do not understand your policy, call your agent and have them explain it to you.

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