What type of policy is an HO-A amended policy?

An HO-A amended policy is classified as a non-standardized insurance policy. Unlike standardized policies, which have set coverage and terms that apply uniformly across different insurers, non-standardized policies allow for variability in coverage options and how specific risks are addressed. The HO-A policy specifically provides coverage for the insured’s personal property and has flexibility in terms of what perils are covered based on the amendments made to the standard policy. This flexibility is what distinguishes non-standardized approaches, allowing for customized coverage based on the needs of the homeowner and the specifics of the property being insured.

In contrast, comprehensive policies typically provide broad coverage against a wide range of perils but are not synonymous with the non-standardized nature of the HO-A amended policy. Therefore, while the term "comprehensive" may seem appealing, it does not accurately capture the essence of the HO-A as it relates to its adaptability and specific amendments.