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What does an HO-4 policy cover? A standard HO-4 policy covers 16 specific perils . That means if your personal property is damaged due to one of these events, your insurance company should ...
HO-5 policies: These are the most robust homeowners insurance policies available and cover open perils for both your dwelling and personal property. Coverage for open perils means any peril not ...
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.
What does home insurance cover? A standard home insurance policy, or HO-3 policy, typically offers six coverage types: Your home’s structure (dwelling coverage) Other structures. Your personal ...
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The landlord’s insurance would cover losses to permanent structures. Renters insurance will cover your personal property, personal liability and additional living expenses up to the policy’s ...
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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.