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The Homeowners Policy Contents Broad Form 4 (HO 4) is part of the Insurance Services Office, Inc. (ISO), homeowners forms portfolio. The HO 4 form insures a tenant for direct damage to unscheduled personal property on a broad named perils basis.

A typical mobile home insurance policy is an HO-7 form. It helps protect the personal property and physical structure of the home.

An HO-2 policy, also known as a broad form policy, is homeowners insurance that contains more coverage than the most basic of policy forms but less coverage than a standard HO-3 policy. An HO-2 provides coverage for your home and personal property against 16 named perils listed in the policy form.

Wear and tear in the AAIS form are more extensive than those in the ISO form. The AAIS form covers what is excluded in the ISO PAP but also specifically excludes physical damage coverage for manufacturing defects, faulty material or parts, and deterioration, rust, or corrosion.

On your insurance policies, you may see notices showing ISO (Insurance Services Office, Inc.) as the copyright owner. That's because ISO develops and publishes policy language that many insurance companies use as the basis for their products. But your policy is a contract between you and your company.

ISO Basics An association of member insurance companies that publishes standard coverage forms and endorsements. Some insurers use ISO forms exactly as published; some use forms which combine ISO wording with the insurer's own variation; some create their own wording.

HO-2 — Designates a "broad form" homeowners insurance policy that provides insurance coverage on a "named-peril" basis. There are 16 covered perils on a broad form policy. They are: Lightning or fire.

HO-3 policies cover liability expenses and costs of living elsewhere. HO-3 homeowners insurance covers you for a variety of other expenses related to your home beyond your physical property. Common coverages include personal liability, loss of use and medical payments.

The Homeowners Policy Special Form 3 (HO 3) is part of the Insurance Services Office, Inc. (ISO), homeowners forms portfolio. The HO 3 insures the described owner-occupied dwelling, private structures in connection with the dwelling, unscheduled personal property on and away from the premises, and loss of use.