The HO-3 provides coverage for the residence premises owned by the named insured in the event of a partial or total loss due to a stated peril listed in the policy, up to the policy limits.

• Available in AL, FL, LA, NJ, NC, RI, SC, TX, VA
• All Risk on Dwelling, Named Perils on Contents
• Seasonal/Secondary Homeowners Product available in FL
• Coverage for the Primary Residence only (except FL)
• Dwelling Coverage up to 125% of Coverage A in most states
• Contents Issued at 70% of Coverage A in most states
• Liability issued at $300,000 ($100,000 for Florida Seasonal/Secondary and Louisiana)
• Wind Coverage in Coastal Areas

The GeoVera Specialty HO-3A product is the HO-3 policy with endorsement US-A. The US-A endorsement restricts coverage for water damage and removes coverage for off premises theft. The HO-3A is available for residences located in Texas.

• Available in Texas
• Water Damage Limited to Named Perils on Dwelling and Contents
• Theft Limited to Primary Residence Only
• Dwelling coverage up to 125% of Coverage A
• Contents Issued at 70% of Coverage A
• Liability issued at 300K
• Wind Coverage in Coastal Areas

The GeoVera Specialty HO-3 Tenant is the HO-3 policy with endorsement US 05 10.  The US 05 10 endorsement changes the definition for “residence premises” to include a dwelling rented or held for rental to others.  The HO-3 Tenant is available for residences located in Florida.

• Available in Florida
• Other Structures issued at 10% of Coverage A unless excluded
• Contents issued at 5% of Coverage
• Issued with no liability and medical payments coverage
• Optional limits of $50,000, $100,000 or $300,000 are available for premises liability with $2,000 for medical payments
• Loss of Use issued at 10% of Coverage A

The GeoVera Specialty HO - Wind Only policy is available for residences located in Alabama, Florida and Texas. This is a property only policy, no liability or medical payments coverages are included.

• Available in Alabama, Florida and Texas.
• Dwelling Coverage up to 125% of Coverage A.
• Seasonal/Secondary Homeowners, tenant occupied, vacant and unoccupied are eligible!
• The Other Structures coverage is issued at 10% of Coverage A. Available options are 2%, 5% and 10% of Coverage A.
• Personal Property options are 25% and 50% of Coverage A, with a default of 50% for owner occupied; tenant and vacant occupancies are issued at 5%. 
• Loss of Use is issued at 20% of Coverage A for owner occupied, all other occupancies are issued at 10% of Coverage A.

HO-4 is a renters policy that provides coverage for personal property of the named insured for any stated peril listed in the policy. The replacement amount is based on the number of bedrooms at the residence premises.

HO-6 provides coverage for any stated peril listed in the policy for a residence premises owned by the named insured and referred to as a condominium. A condominium is a multi level complex where the units are individually owned, but the owners share jointly in the ownership of any common ground, common walls, passageways, etc. The replacement Coverage C amount is based on the number of bedrooms in the condominium unit.

• Available in Florida and South Carolina
• Named Perils on Contents
• Dwelling Coverage A Issued at $10,000 (HO-6) only
• Contents Issued at $25,000 to $100,000
• Liability Issued at 300K
• Loss of Use Issued at 40% of Coverage C