# Dwelling, liability, and contents
> HO-3 and HO-5 policies for owner-occupied homes, written on filed forms and rated on the same engine that runs every other line on Sure. Partner brands distribute. Sure does the rest.
Canonical URL: https://www.sureapp.com/products/homeowners
Product slug: homeowners
Category: Insurance products
## Homeowners, filed for nationwide distribution

Every form number, every version, every state. Regulator approved.
Filing coverage: 44 / 51. States with a live, filed homeowners program on the Sure platform today. Remaining jurisdictions are in filing.

Forms on file:
- SU-HO-001 (live, v24.5) — HO-3 special form, owner-occupied
- SU-HO-002 (live, v24.2) — HO-5 comprehensive form
- SU-HO-003 (live, v24.0) — Dwelling DP-3, rental property
- SU-HO-004 (live, v23.9) — Water backup endorsement
- SU-HO-005 (live, v25.0) — Wildfire zone supplement (CA, OR, CO)
- SU-HO-006 (live, v24.3) — Ordinance or law coverage

## What a Sure homeowners policy actually covers

Standard limits shown below. Every line is configurable at the program level. Raise a limit, change a deductible, add a rider, and Sure re-rates and refiles.
### Dwelling and liability, HO-3 — Core
- Dwelling (Coverage A): $450k (Replacement cost)
- Other structures (B): $45k (Fence, shed, detached garage)
- Personal property (C): $225k (Contents)
- Loss of use (D): $90k (Temporary housing)
- Personal liability (E): $300k (Per occurrence)
- Medical payments (F): $5k (To others, per person)
### Endorsements and supplements — Optional
- Water backup: $10k (Sewer, drain, sump)
- Service line: $10k (Underground utilities)
- Equipment breakdown: $50k (HVAC, appliances)
- Wildfire defense: CA, OR, CO (Pre-emptive treatment)
- Ordinance or law: 10% of A (Building code upgrades)
- Scheduled jewelry: Rider (Agreed value, no deductible)

_Coverages, rates, and limits vary by state._

## What the policyholder lives in

Binding the policy is the easy part. Renewals, mortgage refis, and mid-term endorsements are where most homeowners programs unravel. On Sure, the partner's app stays in the loop from first payment through every coverage change.
### Self-service that your team doesn't have to staff
Homeowners file claims, request mortgagee letters, and adjust coverage limits inside the partner's app. Claims AI triages losses in the background, and the partner sees status without owning the queue.
- First-notice-of-loss in two taps, routed straight to Claims AI
- Mortgagee letters and evidence of insurance generated in-app
- Mid-term endorsements without rebuilding the quote
- Service handoffs to live agents stay inside the partner's brand

## Launch a homeowners program, filed and writing in weeks

Learn more about how your homeowners program can go live in weeks, not months. Built for brands and carriers ready to ship.
Primary action: Talk to Sure