Which homeowners policy has eliminated the general exclusion for concurrent causation regarding earth movement?

The homeowners policy that has eliminated the general exclusion for concurrent causation regarding earth movement is the HO3 policy. This is significant because it provides broader coverage compared to other policies. The HO3 policy is known as a special form policy that typically covers the dwelling and personal property against all risks except for those specifically excluded.

In the context of earth movement, which includes events like earthquakes and landslides, the concurrent causation clause means that if an event leads to damage as a result of multiple causes, the insurance would provide coverage even if one of those causes is excluded. This is crucial for homeowners in areas prone to such risks, as it ensures that they have more comprehensive protection for damages that result from these types of earth movements.

Other homeowners policies, such as HO1 (basic form), HO2 (broad form), and HO4 (renters insurance), do not address this issue in the same way, thereby leaving homeowners potentially underinsured for damages resulting from earth movement scenarios where multiple factors may be at play.