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To understand the difference between HO-3 vs. HO-5 home insurance, you have to know a bit about how insurance works. Home insurance policies provide coverage for insurance perils , or types of losses.
The 37.5 mm length is not derived by a certain scale ratio. While HO scale is a 1:87 scale (3.5 mm to 1 foot), resulting in a 16.5 mm (0.65 in) gauge from real life prototype 1,435 mm (4 ft 8 + 1 ⁄ 2 in) standard gauge standard gauge. Conversely, modeling standard gauge in Lego trains would yield a scaling of (37.5:1435 =) 1:38.3.
Because of its high level of protection, an HO-5 policy is usually more expensive than a standard HO-3. Learn more: HO-5 insurance. HO–6. HO-6 insurance is specifically for condo owners. It ...
3.5 mm: Model railways (HO/h0) Exact HO scale (half O of 7 mm = 1 foot) 1:87: 3.503 mm: Model railways (HO/h0) Civilian and military vehicles. Often used to describe HO scale. Original nominal 25 mm figure scale; though a 6-foot human in 1:87 is closer to 21 mm. 1:82: 3.717 mm An intermediate scale (HO/OO) intended to apply to both HO and OO ...
HO or H0 is a rail transport modelling scale using a 1:87 scale (3.5 mm to 1 foot). It is the most popular scale of model railway in the world. [1] [2] The rails are spaced 16.5 millimetres (0.650 in) apart for modelling 1,435 mm (4 ft 8 + 1 ⁄ 2 in) standard gauge tracks and trains in HO.
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This scale is also popular in North America to depict 3 ft (914 mm) narrow-gauge prototypes (using dedicated 14.28 mm (0.562 in) gauge track and known as "Sn3"), and elsewhere to depict the 3 ft 6 in (1,067 mm) narrow-gauge railways (using H0 scale 16.5 mm / 0.65 in gauge track and known as "Sn3 1 ⁄ 2") of South Africa, Australia and New Zealand.
HO-4 and HO-6 policies both relate to multi-unit dwellings, but they are offered to two different types of residents. While HO-4 is a type of insurance designed for renters, HO-6 policies are ...