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What Does Homeowners Insurance Cover? HO-3 Policy Explained Simply

October 4, 2026October 4, 2026 by WOW Editorial Team
Family home protected by a homeowners insurance policy

A standard HO-3 homeowners policy covers your house, other structures, belongings, liability, medical payments and extra living expenses. Floods and earthquakes are not included.

Categories Home Insurance Tags HO-3 policy, home insurance, homeowners insurance Leave a comment

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