Tag: ho-3

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Home Owners Insurance

Sudden Water Damage Homeowners Insurance Carolinas HO-3

A typical HO-3 in South Carolina and North Carolina covers damage from a sudden, accidental plumbing discharge such as a burst pipe. Gradual seepage, wear, and frozen pipes in an unheated vacant house often fall outside that coverage.

By Beach Insurance LLC 2026-09-09

Home Owners Insurance

Home Based Business Homeowners Insurance Carolinas Limits

A 2022 ISO HO-3 in the Carolinas usually caps property used primarily for business at $3,000 on the residence premises and $1,500 away, and it excludes injury arising out of a business conducted from the home. HO 04 12 can raise the property cap; HO 07 01 can add property, income, and liability for an eligible owned practice, but not professional liability.

By Beach Insurance LLC 2026-09-04