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If you are shopping for home insurance, the differences between HO5 and HO3 matter more than the label suggests. Both are homeowners policy forms, but they do not treat your personal property the same way, and that difference can show up in a claim when you least want surprises. For a homeowner comparing home insurance quotes Chicago residents often request, the question is not just price. It is how much protection you want when something breaks, burns, leaks, or disappears