---
title: Types of Homeowner Insurance Policies
description: Overview of different types of policies for homeowners.
---

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# [Types of Homeowner Insurance Policies](https://www.condoassociation.com/condo-association-insurance/tabid/81732/bid/6490/types-of-homeowner-insurance-policies.aspx)

 Written by [stephen polinsky](https://www.condoassociation.com/condo-association-insurance/author/stephen-polinsky) | Sep 2, 2008 12:06:00 AM

**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.

 

[View full post](https://www.condoassociation.com/condo-association-insurance/tabid/81732/bid/6490/types-of-homeowner-insurance-policies.aspx)

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