Which damages are excluded under the HO-3 policy?

The HO-3 policy, which is a standard homeowners insurance policy, provides coverage for many types of damage to the home and personal property. However, it also specifies certain exclusions that are important for policyholders to understand.

Weather-related damage due to flooding is explicitly excluded under the HO-3 policy. This is because flooding typically requires a separate flood insurance policy, as it is often covered under the National Flood Insurance Program (NFIP) rather than a standard homeowners policy.

Theft of personal property is generally covered by the HO-3 policy, unless specific exclusions apply based on the circumstances or situations outlined in individual policy terms. Therefore, this aspect does not represent an exclusion.

Defective planning is another situation that falls outside the coverage of the HO-3. This refers to problems arising from issues with the design or planning of a structure that result in damage. Such defects are considered a part of the risk associated with construction and are not covered under typical homeowners policies.

Thus, since flooding damages and defects in planning are both excluded while theft typically is not, the correct assessment leads to recognizing that weather damage due to flooding and defects in planning are indeed excluded under the HO-3 policy. Therefore, all the listed options include types of damages that are excluded