HO3 is the most common homeowner's policy. And, yes, it has a funny name. It also has a funny structure.
The policy will list all the things it won't cover it they happen to your house, but it lists all the things that it will cover if they happen to the property inside the house.
Too many times I've seen agents not explain this well. So, the homeowner sees this crazy list, and usually interprets the OPPOSITE of what's intended.
Boring crap for a Friday before a holiday, I just wrote 3 homeowners and NONE of them understood this at first...
Ah...Rugby Players...
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