Forms and Perils Covered

Coverage	HO 0003 Homeowner	HO 0005 Homeowner	HO 0006 Unit Owner	HO 004 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 and 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: Fire or Lightning; Windstorm or Hail; Explosion; Riot or Civil Commotion; Aircraft; Vehicles; Sudden and Accidental Damage from Smoke; Volcanic Eruption; Vandalism or Malicious Mischief; Theft; Falling Objects; Weight of Ice, Snow, or Sleet; Sudden and Accidental Tear Apart, Cracking, Burning or Bulging; Accidental Discharge or Overflow of Water or Steam; Freezing; Sudden and Accidental Damage From Artificially Generated Electrical Currents; Sinkhole Collapse.