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  2. HO-4 insurance: what it covers and who might need it - AOL

    www.aol.com/finance/ho-4-insurance-covers-might...

    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 ...

  3. 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 ...

  4. What does homeowners insurance cover? - AOL

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

    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 ...

  5. What Does Homeowners Insurance Cover? - AOL

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

    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 ...

  6. Types of homeowners insurance - AOL

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

    The most common type of homeowners insurance is the HO-3 Special Form policy, which covers your home, your personal property, liability, additional living expenses and medical payments.

  7. What is homeowners insurance and how does it work? - AOL

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

    How much does a home insurance policy cost? The average cost of homeowners insurance in the United States is $2,150 per year for $300,000 in dwelling coverage.

  8. So if you have an HO-3 policy, which is likely, your insurance covers you for slightly different perils depending on whether it’s covering your dwelling or your personal property.

  9. How to buy homeowners insurance - AOL

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

    A standard home insurance policy might not meet some homeowners’ needs. Most home insurance policies do not cover earthquake or flood losses. If you live in an area prone to earthquakes or ...

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