HO-1 & HO-2
Basic & Broad Coverage
These policies provide more limited protection, covering only specific named risks such as fire, theft, or certain weather events. They are less common but may be suitable for lower-value properties or specific situations.
HO-3 Special Form
Standard Homeowners Coverage
The most common type of homeowners insurance, HO-3 provides broad protection for your home against most risks, while covering your personal belongings against specific named perils. It’s ideal for homeowners looking for strong, well-rounded protection.
HO-4 Renters Insurance
Protection for Tenants
Designed for renters, this policy protects personal belongings and provides liability coverage. While the landlord insures the structure, this ensures your possessions and personal liability are covered.
HO-5 Comprehensive Form
Premium Coverage
HO-5 offers the highest level of protection, covering both your home and personal property against a wide range of risks with fewer limitations. This is a great option for higher-value homes and homeowners seeking maximum protection and fewer exclusions.
HO-6 Condo Insurance
Interior & Personal Coverage
HO-6 policies are designed for condo owners, covering the interior of the unit, personal belongings, and liability. It works alongside the condo association’s master policy for complete protection.
HO-7
Mobile & Manufactured Homes
This policy is tailored for mobile or manufactured homes, offering similar protection to a standard homeowners policy but designed specifically for these types of properties.
HO-8 Older Homes
Modified Coverage
HO-8 is designed for older or historic homes where replacement costs may exceed market value. It provides coverage based on actual cash value, making it a practical option for these properties.
Flood Insurance
Essential Additional Protection
Standard homeowners insurance does not cover flood damage, making flood insurance a critical addition—especially in flood-prone areas. Flood policies protect your home’s structure and, optionally, your personal belongings from damage caused by rising water, storms, or heavy rainfall.
Whether required by your lender or added for extra protection, flood insurance provides peace of mind knowing your home is covered against one of the most common and costly natural disasters.
