individual states set the minimum coverage levels. everyone's insurance policy is functionally identical on the most basic level. different companies include different endorsements standard or as riders depending on the company, but if you have ho3 policy from one carrier it's the same as everyone else written in that state. insurance companies don't even write their own policy or endorsement language. it's all written by insurance services office, a division of verisk analytics. all of them. if you don't believe me, look at yours. at the bottom of every page it will say "iso something something" on it  > pic related
United States