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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 ...
An HO-4 policy, also known as renters insurance, is intended for renters who want to insure their personal belongings and get additional coverage, like liability and additional living expenses. An ...
Coverage D — Loss of Use: Covers the cost of food, accommodations and other necessary expenses while you’re displaced from your home due to a covered peril. Also called additional living ...
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 ...
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 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 ...
Even with robust home insurance, like an HO-5 policy, you may still have gaps in your coverage. For added layers of protection, you might want to take a look at the different home insurance ...