Forms & Perils Covered

Coverage	HO 0003 Home	HO 0005 Home	HO 0006 Unit Owner	HO 0004 Renter
A - Dwelling	All risks of direct physical loss with certain exceptions	All risks of direct physical loss with certain exceptions	All risks of direct physical loss with certain exceptions	No Coverage
B - Other Structures	All risks of direct physical loss with certain exceptions	All risks of direct physical loss with certain exceptions	No Coverage	No Coverage
C - Personal Property	Named Peril*	All risks of direct physical loss with certain exceptions	Named Peril*	Named Peril*
D - Additional Living Costs & Loss of Rent	All risks of direct physical loss with certain exceptions	All risks of direct physical loss with certain exceptions	Named Peril*	Named Peril*

* Named Perils Covered: All perils covered by HO 0001 and Falling Objects; Weight of Ice, Snow, or Sleet; Sudden and Accidental Tearing Apart; Burning or Bulging; Accidental Discharge Of Water or Steam; Freezing; Sudden And Accidental Damage From Artificially Generated Electrical Currents