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What is an HO-5 policy?

I'm shopping around for home insurance and I keep seeing an HO-5 policy. What is an HO-5 policy?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“An HO-5 policy is also known as Comprehensive Form. An HO-5 policy gives the broadest form of homeowners coverage as it’s on an open-perils basis.
When a policy is open perils, everything is covered unless it’s specifically excluded. Think of it as the equivalent of a full coverage
car insurance
 policy.
If you’d like premium coverage for your home, consider getting an HO-5 policy.
If you want to get the highest home insurance coverage but worry about the price, use
Jerry
. Jerry gathers quotes from the 50 top insurance companies and delivers the best deals to your phone in minutes.”
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