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Key takeaways. The most common type of homeowners insurance policy is the standard HO-3 Special Form policy. HO-5 policies offer the broadest coverage of all policy types.
Is an HO-5 policy more expensive than an HO-3 policy? Generally, yes. HO-5 policies are usually more expensive than HO-3 policies because they offer broader coverage for your personal property.
Home insurance policies can vary significantly depending on the insurance provider, the type of policy purchased and any additional endorsements added to the policy. Standard HO-3 policies include ...
Homes covered by an HO-2 Broad policy accounted for 5.15%, which covers only specific named perils. The remaining 2% includes the HO-1 Basic and the HO-8 Modified policies, which are the most limited in the coverage offered. HO-8, also known as older home insurance, is likely to pay only actual cash value for damages rather than replacement. [13]
The most basic home insurance policy is an HO-1, which provides coverage on the structure of your home. An HO-2 is a step above the HO-1, as it covers your home and personal belongings for named ...
If the total number of points on a licence equals or exceeds 12, the courts must ban the driver for a period of time, usually six months. [3] New drivers (those who passed their first driving test within the past two years) are subject to a lower threshold of six points, which when reached results in the full licence being revoked; the driver ...
Weeks after Chan Ho Nam is elected branch leader of Causeway Bay of the "Hung Hing" Society, "Chicken" Chiu (Jordan Chan), best friends Banana Skin (Jason Chu), Pou-pei , Dai Tin-yee (Michael Tse) and K.K. after joining the Taiwanese "San Luen" triad, is reinstated into Hung Hing by Chairman Chiang Tin Sung (Simon Yam). At the same time, rival ...
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 ...