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HO-3 Excluded Perils under Coverages A and B
- collapse (except collapse following covered loss)
- freezing of pipes and hoses
- damage to external property due to freezing, thawing, pressure, weight of water or ice
- theft of construction material (until building is finished and occupied)
- vandalism to vacant dwelling (more than 60 consecutive days)
- mold, fungus, wet rot unless it's hidden and results from accidental leak from plumbing / heating / air conditioning
- natural deterioration
- smoke from agricultural or industrial operations
- pollutants (excepts if results from covered peril under Coverage C)
- settling, shrinking, bulging of building
- animals (to animals or caused by animals)
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HO-3 Water Damage
- covers it results from accidental discharge or overflow of water or steam
- must come from plumbing, heating, air conditioning, or sprinkler system
- damage caused by water and cost of tearing out and replacing parts
- excludes loss to a damaged system or appliance
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HO-3 Named Peril under Coverage C
- instead of exclusions like Coverage A and B, Coverage C only covers named perils
- fire or lightning
- windstorm or hail
- explosion
- riot or civil commotion (3 or more people)
- aircraft
- vehicles
- smoke
- vandalism or malicious mischief
- theft
- falling objects
- weight of ice, snow or sleet (property contained in a building)
- accidental discharge or overflow of water system
- sudden and accident tearing appart
- freezing
- accidental damage from electrical current
- volcanic eruption
-
HO-3 Coverage C Theft exclusions
- committed by insured
- building under construction
- rented to someone other than insured
- property belonging to student away from home unless has been there in past 90 days
- watercraft
- trailer, semi-trailer, camper
-
HO-3 Section I Exclusions
- ordinance or law
- earth movement (except fire ensuing)
- water (flood, surface water, sewer backup)
- power failure (except if caused by peril)
- neglect
- war
- nuclear hazard
- intentional loss by insured
- governmental action
-
HO-3 Section I - Coverages A and B Exclusions
- weather
- acts or decisions, including failure to act
- faulty construction
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