Read your carrier’s HO-3 like a human.
Each decoder explains what the carrier’s HO-3 actually covers, the sublimits and exclusions to watch, and how that carrier typically handles common loss types. Plain English, no legal advice — just the read.
How to read a State Farm HO-3 policy
Plain-English decoder for the State Farm HO-3 — Coverages A through F, common exclusions, and the clauses you’ll see in a denial letter.
How to read an Allstate HO-3 policy
Plain-English decoder for the Allstate HO-3 — including House & Home / Premier Protection variants, sublimits to watch, and Allstate’s typical handling of water and roof claims.
How to read a USAA HO-3 policy
Plain-English decoder for the USAA HO-3 — typically broader base coverage than industry standard, with strict eligibility, and clauses unique to military households.
How to read a Liberty Mutual HO-3 policy
Plain-English decoder for the Liberty Mutual HO-3 — package endorsement bundles, common sublimits, and how Liberty Mutual typically handles water and roof claims in coastal markets.
How to read a Travelers HO-3 policy
Plain-English decoder for the Travelers HO-3 — Quantum Home package tiers, hurricane-deductible math in coastal states, and how Travelers typically handles older-home claims.
How to read a Nationwide HO-3 policy
Plain-English decoder for the Nationwide HO-3 — Brand New Belongings endorsement, Better Roof Replacement, and how Nationwide typically handles supplements.
How to read a Progressive HO-3 policy
Plain-English decoder for the Progressive HO-3 — bundled with auto in most markets, underwritten by partner carriers, and how that affects the claim flow.
How to read a Farmers HO-3 policy
Plain-English decoder for the Farmers HO-3 — Smart Plan Home tiers, ordinance-and-law gotchas, and how Farmers typically handles hail, wind, and slab claims.