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Types of Homeowner Insurance Policies

stephen polinsky on Sep 1, 2008 8:06:00 PM


Here are the more common Homeowner Insurance Policies.

HO-1: Limited coverage policy
This "bare bones" policy covers you against the first 10 disasters. It's no longer available in most states.

HO-2 Basic Homeowner Insurance Policy
A basic policy provides protection against all 16 disasters. There is a version of HO-2 designed for mobile homes.

HO-3: Most Popular Homeowner Insurance Policy
This "special" all inclusive policy protects your home from all perils except those specifically excluded.

HO-4 Renter Insurance Policy
Created specifically for those who rent the home they live in, this policy protects your possessions and any parts of the apartment that you own, such as new kitchen cabinets you install, against all 16 disasters  

H0-6 Condo/Co-Op Insurance Policy
A policy for those who own a condo or co-op, it provides coverage for your belongings and the structural parts of the building that you own. It protects you against all 16 disasters.

Master Property Insurance Policy

A policy for Community Associations, Condo Associations, Timeshare Properties and Homeowner Associations, where there are common areas to be protected.  Some areas include the property grounds, parking lots, roofdecks, buildings, hallways and lobbies.



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