The HO3 Home Insurance is an insurance Policy that is the most common home insurance policy in the United States. It provides excellent coverage for your home and good coverage for your personal property. It is considered a hybrid policy, though it doesn't run on gas and electricity like a hybrid vehicle. What makes it a hybrid is because of what it does cover under a mix of an open perils and named perils type policy.Huh? You may be asking; let's jump in and review. An open perils policy
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