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HO-6 policies: These provide ... HO-8 policies: The HO-8 home insurance policy is designed specifically for historic homes or older ones that are more challenging to replace. This may be because ...
An HO-1 is the most basic homeowners insurance policy. It only provides coverage for the structure of your home, attached structures like garages and appliances and home features like carpeting.
According to a 2018 National Association of Insurance Commissioners (NAIC) report on data from 2016, [12] 73.8% of homes were covered by owner-occupied homeowners' policies. Of these, 79.52% had an HO-3 Special policy, and 13.35% had the more expensive HO-5 Comprehensive. Both of these policies are "all risks" or "open perils", meaning that ...
Even with robust home insurance, like an HO-5 policy, you may still have gaps in your coverage. For added layers of protection, you might want to take a look at the different home insurance ...
There is a special type of the homeowners insurance in the United States specifically for renters — HO-4. This is commonly referred to as renter's insurance or renter's coverage. Similar to condominium coverage, referred to as a HO-6 policy, a renter's insurance policy covers those aspects of the apartment and its contents not specifically ...
HO-3 home insurance policies cover your dwelling and other structures on your property under open perils coverage, and HO-5 policies cover both your home and personal property for open perils.
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