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The HO-85 endorsement is an optional addition to a homeowner's insurance policy that provides coverage for personal property on an "all-risk" basis, meaning it covers a wide range of risks unless specifically excluded. This endorsement can enhance the standard homeowner's policy, which typically covers personal property on a named-perils basis. It offers broader protection, making it more suitable for homeowners with valuable possessions. Always check with your insurance provider for specific terms and coverage details.

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2mo ago

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