However, if you're a member, you get multiple discount opportunities. Most AAA homeowners insurance meets HO-3 standards, meaning it covers your home, personal property and liability. However ...

HO-3 policies are the most common type of homeowners insurance. Both HO-3 and HO-5 policies cover your dwelling — the structure of your home — on an open perils basis. The difference between ...

The type of homeowners insurance policy you have will also affect what's covered. The most common type, called HO-3, insures the structure of your home for every cause of damage (or peril) except for ...

Founded as the Automobile Mutual Insurance Company of America, Amica offers both HO-3 and HO-5 homeowners policies available. A mutual company, Amica has policies that can pay dividends of up to 20%.

Even standard HO-3 ('all-risk') policies may contain exclusions or limitations related to rare winter events." Homeowners who experience such damage could find their insurance claims denied and be ...