Topic
Insurance
HO-3 and HO-4 are standard form names, not brands. What you actually bought is the declarations page of your policy.
The Insurance Information Institute and your state insurance department explain the forms. The Portuguese pages on this site are about Brazilian insurance supervised by SUSEP, which is a different system.
Notes
- What is the difference between HO3 and HO4?
HO-3 is a standard homeowners form.
Updated Oct 11, 2026 · 1 min read