HO-3 Homeowners Insurance
Comprehensive Coverage. Personalized Protection. Peace of Mind.
Protect What Matters Most
At Arbor Reciprocal Exchange, we make homeowners insurance simple, affordable, and built around your life. Our HO-3 policy—also known as a Special Form policy—offers broad protection for your home, your belongings, and your peace of mind.
What’s Included in Your Coverage
Your Home & Other Structures
Your home and detached structures (like garages and fences) are covered on an open-perils basis, meaning you’re protected against all risks unless specifically excluded.
Personal Property
Your belongings are covered on a named-perils basis, protecting against common threats like fire, theft, and vandalism.
Loss of Use
If your home becomes uninhabitable due to a covered event, we help cover temporary housing, meals, and other living expenses.
Personal Liability
Covers legal fees and damages if someone is injured on your property or if you accidentally cause damage to someone else’s.
Medical Payments to Others
Pays for minor medical expenses if a guest is injured on your property—regardless of fault.
Customize Your Coverage
Enhance your policy with optional endorsements tailored to your needs:
- Water Backup Protection
- Scheduled Personal Property (for jewelry, art, and other valuables)
- Equipment Breakdown
- Identity Theft Recovery
Why Arbor?
As a reciprocal exchange, Arbor is owned by its members—not shareholders. That means we’re focused on delivering value, transparency, and service that puts your needs first. With Arbor, you’re not just buying insurance—you’re joining a community that looks out for one another.