Which of the following would not be covered by an HO-2 but would be covered by an HO-3 policy?

Question

Quizplus · Accepted Answer

HO-2 policies, also known as "broad form" homeowner policies, cover a specific list of perils. Damage caused by the homeowner's personal activities, such as accidentally dropping weights through the floor, is not typically covered by an HO-2 policy. However, HO-3 policies, known as "special form" policies, offer broader coverage, including all perils not specifically excluded. This means accidental damage from the homeowner's activities, like dropping weights, would be covered under an HO-3 but not under an HO-2.

Which of the Following Would Not Be Covered by an HO-2