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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 ...
This kind of policy only covers specifically named perils and excludes liability coverage. HO-2 policies: These provide slightly more coverage than HO-1 policies and include some liability ...
Learn more: HO-4 insurance. HO–5. An HO-5 policy is the most robust option available, covering your home, your personal belongings, liability, additional living expenses and medical payments for ...
Personal property coverage. Personal liability coverage. Medical payments. Additional living expenses. Each policy type comes with different coverage levels based on a percentage of the dwelling ...
Key takeaways. 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 ...
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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 ...
Take the time to understand your policy, explore additional coverage if needed, and plan for the unexpected. When you're protecting your biggest investment, it's better to be safe than sorry ...