Does an HO-3 policy provide coverage against damage caused by falling objects?

An HO-3 policy, which is a standard homeowners insurance form, does indeed provide coverage for damages caused by falling objects. Specifically, this type of policy includes a broad range of perils under its coverage, which protects the dwelling and personal property against various risks, including damage from falling objects.

The coverage applies as long as the damage is not caused by specific exclusions listed in the policy. Typical examples include items that fall from the sky, such as trees or parts of buildings. As such, the policy ensures that homeowners are safeguarded against unexpected incidents involving falling objects, ensuring financial compensation for repairs or replacement necessary due to such damage.

This comprehensive coverage is one of the reasons why HO-3 policies are popular among homeowners, as they provide peace of mind knowing a range of potential damages are covered under their insurance.