HO3 insurance policy is the most common home insurance policy in the United States, where your home and your contents are covered on an open perils basis. ┬áThis type of policy doesn’t specify the insured perils; however it includes a list of exclusions that are not covered in such policy.

Most common exclusions in the HO3 policy:

  1. Earthquake (can be purchased separately)
  2. Ordinance or law (some coverage may be provided in the insurance policy)
  3. Flood (can be purchased separately)
  4. Power failure
  5. War
  6. Nuclear hazard
  7. Government action
  8. Vandalism or mischief (if vacant for more than 60 days)
  9. Mold, fungus, or wet rot (some coverage may be provided in the insurance policy)
  10. Wear and tear
  11. Birds, vermin, rodents and insects
  12. Animals owned by insured