The HO-3 has 16 named perils for property coverage.

With regards to the peril of “Wind and Hail”, This includes loss to watercraft of all types and their trailers, furnishings, equipment, and out-board engines or motors, only while inside a fully enclosed building.

The HO 3 covers damage from Flood.

Coverage C, Personal property on an HO 3 is Open peril, meaning if in not excluded it is covered.