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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 ...
Homeowners insurance coverage is a must if you have a mortgage loan, and it’s strongly advised even if you don’t. It covers damage to your property from a wide range of sudden and accidental ...
This kind of policy only covers specifically named perils and excludes liability coverage. HO-2 policies: These provide slightly more coverage than HO-1 policies and include some liability ...
An insurance policy is a contract where the homeowner and insurance company agree that in exchange for a premium payment, the insurance company will provide compensation for the repairs or ...
Most mortgage lenders require homeowners to purchase home insurance. Standard HO-3 home insurance policies cover damage to your home’s structure, other structures on your property and your ...
The state agency that backs up policies held by insolvent companies, the Louisiana Insurance Guaranty Association, must now cover the failed companies’ unpaid claims and refund their customers ...
HO-3 and HO-5 insurance policies (the most common types of coverage) provide dwelling coverage on an open perils basis, which means any loss that is not explicitly excluded from your policy is ...