Summary: The Mutual Service Office, Inc. (MSO), provides custom rates, statistical services, custom forms, and manuals for mutual insurers. The MHO 3 homeowners coverage form is paired with the MPL 01 common provisions form in order to provide complete coverage for an insured home. The MHO 3 provides the covered perils, special limits, supplemental coverage limits, and additional policy provisions. The MPL 01 is the form that provides the common policy provisions including exclusions for the homeowners program. When combined with a declarations page these forms create an entire policy. This article reviews the MHO 3 09 10, which varies only slightly from the MHO 3 01 05.

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Covered causes of loss