A CONIFER HOLDINGS COMPANY

Homeowners

HO3 Special Form

happy-home-owners1-390x179

American Colonial’s HO3 Special policy form offers great standard coverage as well as an assortment of optional coverage endorsements to suit your needs. Insure your home and your peace of mind with personal property and liability protection insurance. In lieu of a standard package policy, American Colonial offers coverages a la carte allowing you to save money by only purchasing the coverage options you need.

Optional Coverages can include:

  • Animal Liability
  • Water Back up and Sump Overflow
  • Home Computer
  • Golf Cart Physical Damage and Liability
  • Screen Enclosure and Carport
  • Personal Injury Protection
  • Ordinance or Law
  • Personal Property Replacement Cost
  • Scheduled Personal Property

For more information on HO3 Special Form
contact us at: 844.262.5992

Excluded Risks: Dwellings on more than 5 acres; Dwellings located in protection class 9 or 10; Commercial risks; Mobile, Modular, or Manufactured/Prefabricated Dwellings; Properties located entirely over water; Properties accessible only by boat; Risks with any prior sinkhole activity; Exotic animals, farm animals, saddle animals, or ineligible dog breeds; Home of unconventional construction; Dwellings with unapproved roof; Dwellings with asbestos material present; Dwellings with burglar bars/decorative window bars; Dwellings with swimming pools with diving boards or slides; Dwellings without a permanently installed heat source; Risks built on stilts, pilings, or unprotected open foundations; Dwelling undergoing construction/renovation; and dwellings with under 100 amp electrical service.

Product Highlights

  • $200,000 Minimum Value
  • $2,000,000 Maximum Value
  • Other Structures Up to 20% of Cov A
  • Content coverage up to 75% of Cov A
  • AOP Deductible options $500 – $50,000
  • Hurricane Deductible Values $500, 2%, 5%, and 10%
  • Single Family Dwellings
  • Dwellings – $100,000-$500,000 Liability
  • $1,000-$5,000 Medical Payments

Our product is available in all states that are red.

  • A
  • B
  • C
  • D
  • E
  • F
  • G
  • H
  • I
  • J
  • K
  • L
  • M
  • N
  • O
  • P
  • Q
  • R
  • S
  • T
  • U
  • V
  • W
  • X
  • Y
  • Z
  • a
  • b
  • c
  • d
  • e
  • f
  • g
  • h
  • i
  • j
  • k
  • l
  • m
  • n
  • o
  • p
  • q
  • r
  • s
  • t
  • u
  • w
  • x
  • y