Coverage Builder
Configuring coverages for Homeowners HO-3 (v2026.2)
Coverage Structure
| Coverage Type | Requirement | Limit | Deductible | |
|---|---|---|---|---|
| Dwelling (Coverage A) | Mandatory | $250k–$1M | $1,000 | |
| Other Structures (B) | Mandatory | 10% of A | $1,000 | |
| Personal Property (C) | Mandatory | 50% of A | $1,000 | |
| Loss of Use (D) | Mandatory | 20% of A | — | |
| Personal Liability (E) | Optional | $100k–$500k | — | |
| Water Backup Rider | Optional | $5k–$25k | $500 |
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Homeowners HO-3 — assembled coverage
Dwelling (A)$420,000
Other Structures (B)$42,000
Personal Property (C)$210,000
Loss of Use (D)$84,000
Personal Liability (E)$300,000
Water Backup Rider$10,000
Some states mandate a minimum Personal Liability limit — verify against Eligibility Rules before publishing.