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In terms of coverage, the primary difference between HO-4 and HO-6 insurance is that HO-6 insurance includes interior finishings and HO-4 policies don’t. If a covered event ruins your ...
Learn more: HO-4 insurance. HO–5. An HO-5 policy is the most robust option available, covering your home, your personal belongings, liability, additional living expenses and medical payments for ...
There are other types of home insurance as well, with different coverage options, such as HO-4 insurance for renters. Checking your policy’s declarations page can show you what coverage types ...
Coverage E — Personal Liability: Covers damage or injury, such as a dog bite or a fall, to someone on your property. Also covers accidental damage you, your pet or a member of your household ...
HO-3 policies: These are the most common homeowners insurance policy type and include all the basic coverage types. The key difference between HO-3 and HO-2 policies is that an HO-3 policy covers ...
Other types of coverage, like detached structures, personal property and loss of use coverage, will typically be percentages of your dwelling coverage. And, your personal liability coverage will ...
Even if you got the best mortgage rate, homeownership comes with a symphony of additional expenses -- maintenance, property taxes, and, yes, ever-changing insurance premiums. It's not enough to ...
A 4-point inspection checks the home’s roofing, plumbing, AC/heating, and electrical systems. “If your 4-point inspection reveals a discrepancy, you will need to remedy it before the insurance ...