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  2. HO-2 homeowners insurance policies

    www.aol.com/finance/ho-2-insurance-194603218.html

    An HO-2 policy is a type of homeowners insurance that only covers damages caused by perils specifically named in your policy. An HO-2 typically covers 16 named perils, including damage from fire ...

  3. What Is a homeowners insurance peril and how does it work? - AOL

    www.aol.com/finance/homeowners-insurance-peril...

    Home insurance typically covers 16 named perils. Commonly excluded perils from home insurance policies include earthquakes, floods, sinkholes, certain types of water damage, wear and tear and ...

  4. HO-3 vs HO-5 insurance - AOL

    www.aol.com/finance/ho-3-vs-ho-5-202307267.html

    That said, the 16 named perils on an HO-3 policy cover the most frequent claims. According to the Triple-I , 89.8 percent of home claims made in 2020 were for fire, water damage and theft.

  5. Guide to homeowners insurance - AOL

    www.aol.com/finance/guide-homeowners-insurance...

    HO-4 policies: These are designed for renters rather than homeowners. HO-4s typically cover 16 named perils, but coverage is limited to your personal property and does not include the actual ...

  6. Home insurance - Wikipedia

    en.wikipedia.org/wiki/Home_insurance

    Broad "named perils" [5] – this form expands on the "basic form" by adding 6 more covered perils. Again, this is a "named perils" policy. The loss must specifically be listed to receive coverage. Fortunately, the "broad form" is designed to cover the most common forms of property damage. Broad-form covered perils: All basic-form perils

  7. Property insurance - Wikipedia

    en.wikipedia.org/wiki/Property_insurance

    An 18th-century fire insurance contract. Property insurance can be traced to the Great Fire of London, which in 1666 devoured more than 13,000 houses.The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren's inclusion of a site for 'the Insurance Office' in his new plan ...

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