Skip to main content

What Type of Home Insurance Policy or Coverage Do I Need Form HO3, HO5, HO6, DP3?

People frequently asked “What Type of Home Insurance Policy or Coverage Do I Need Form HO3, HO5, HO6, DP3? ” For new first-time homebuyers in Massachusetts, Connecticut, New Hampshire, New Mexico, Ohio, Rhode Island, South Carolina, Maine, Texas, and Virginia are often confused about what type of form their new homeowner’s insurance policy should be written on, Premier Shield home insurance agents can help.

The majority of homeowners don’t fully understand how insurance, especially when it’s their first home policy. We don’t expect you know know what form your home insurance policy is written on and we make the process of finding affordable homeowners insurance very simple.

If you’re buying a new home, a second property, rental property, or vacation home, give us a call to explore your options 1-774-847-7746.

Insuring a Condo (HO6)

If you’re looking to get insurance on a Condo in New England, we can help! If you’re renting it to someone else it may be a DP-3 or an HO6 depending on which carrier and the options they have.

For example, Progressive Homeowners Insurance offers HO6 “rented to others” as a specific endorsement which makes it much more affordable than a DP3 policy form with many other carriers.

If you currently own a condo you rent to others you likely are paying too much for your current rental property insurance because of this excellent endorsement.

Many Massachusetts insurance carriers haven’t added this endorsement which makes it difficult for consumers to find affordable condo policies in New England.

Our expert condo insurance agents will help you find a more affordable policy if you’re in this situation!

Learn more about finding better and more comprehensive Premier Shield condo insurance online.


Insuring a Single Family or Duplex Property for an HO3


If you live in a part of the duplex or you are buying a single-family home you will be using an HO-3 home insurance form 9 out of 10 times. Most 3 or 4 multi-family houses are insured on a DP-3 form.

Some 3-family homes can be insured on an HO3 vs DP3 form with certain insurance companies however most require multi-family properties to be listed on the DP-3 (Dwelling Fire Policy) form.


If you’re in the process of buying a Duplex, Single Family learn more about our Premier home insurance solutions online or request a property quote online.


Insuring a Vacation Home or Rental Property

What form does a vacation home go on? Well, it depends. If you’re living it in less than 50% of the time it’s typically a homeowner’s policy written on a DP3 policy.

If it’s a condo you may have other, less expensive insurance options for the home. Give us a call to see what your options are 1-774-847-7746.


Insuring a Second Property That’s a Rental Property


If your second property or vacation rental is a single or multiple family property, chances are with most insurance companies it will be written on a DP3 form.

You can elect to have personal property on the policy or you can opt-out of it depending on if you’ll actually want content recovery in the event of a total loss.

Many landlords of rental property who have insurance request little to no coverage as most homes are unfurnished.


Find Better Homeowners Insurance Quotes


Are you still, confused? Do you need help finding a home insurance company to help you with your new purchase?

We can help! Give us a call at 1-774-847-7746. and we’ll work hard to help save you time and money finding the best coverage and price for your properties!

Go to the full page to view and submit the form.


PSI New Home and Auto Insurance Content


Frequently Search Terms for Consumers

  • HO5
  • difference between HO3 and HO5
  • difference between HO3 and HO5 HOmeowners insurance
  • HO3 and HO5
  • HO3 versus HO5
  • HO3 vs HO5
  • HO3 vs HO5 comparison
  • HO3 vs HO5 coverage
  • HO3 vs HO5 HOmeowners policy
  • HO3 vs HO5 insurance
  • HO3 vs HO5 policy
  • HO3 vs HO5 state farm
  • HO5 and HO6
  • HO5 form
  • HO5 Home insurance
  • HO5 Homeowners insurance
  • HO5 Homeowners insurance policy
  • HO5 Homeowners policy
  • HO5 insurance
  • HO5 insurance policy
  • HO5 policy
  • HO5 policy coverage
  • HO5 policy form
  • HO5 policy vs HO3
  • HO5 vs HO3
  • HO5 vs HO6
  • Homeowners insurance HO3 vs HO5
  • is HO5 worth it
  • What is an HO5 insurance policy
  • What is an HO5
  • What is an HO5 HOmeowners policy
  • What is an HO5 insurance policy
  • What is an HO5 policy
  • What is HO5
  • What is HO5 insurance
  • What is HO5 insurance policy
  • What is the difference between an HO3 and an HO5 HOmeowners policy
  • What is the difference between HO3 and HO5
  • What is the difference between HO3 and HO5 HOmeowners policies
  • What is the difference between HO3 and HO5 HOmeowners policy