Insurance Policy Educator
Educational comparison of common homeowners policy forms (HO-3, HO-5, HO-6, HO-4, HO-8) and what each typically covers regarding water damage. Based on Insurance Information Institute data.
Which homeowners policy form do you have?
If you don't know, check your declarations page (Dec page) or contact your insurer. The policy form code is typically near the top of the document.
Educational tool only. Information provided is general and based on industry standards (IICRC, EPA, FEMA). For your specific situation, consult a licensed professional. Results are not personalized advice.
Understanding homeowners policy forms
Homeowners insurance in the United States is sold under standardized policy forms developed by the Insurance Services Office (ISO). Each form has a specific code (HO-1 through HO-8) that determines what perils are covered, on what basis (named perils vs open perils), and at what coverage levels.
About 80% of US homeowners have an HO-3 (Special Form) policy. HO-5 is a premium upgrade with broader coverage. HO-6 is for condos. HO-4 is for renters. HO-8 is a modified form for older homes that don't meet HO-3 underwriting standards.
Important caveat: Even within the same form, specific policies vary by carrier, state, and the riders added. Use this tool for general orientation only — your specific coverage details, exclusions, and limits should be confirmed with your insurance agent or by reviewing your declarations page.