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An HO-2 policy is a type of homeowners insurance that only covers damages caused by perils specifically named in your policy. An HO-2 typically covers 16 named perils, including damage from fire ...
If and when a peril occurs and causes damage to your property, you may file a claim with your home insurance provider to help cover the repairs. A standard homeowners insurance policy lists the ...
Personal property coverage: This coverage makes up a large portion of your homeowners insurance and is designed to replace your home’s contents after a covered peril, including clothing ...
Broad "named perils" [5] – this form expands on the "basic form" by adding 6 more covered perils. Again, this is a "named perils" policy. The loss must specifically be listed to receive coverage. Fortunately, the "broad form" is designed to cover the most common forms of property damage. Broad-form covered perils: All basic-form perils
Broader coverage is available in "broad form" and "special form" causes-of-loss forms. Broad form adds three additional perils plus collapse due to certain causes. Special form covers almost all risks of loss except those that are specifically excluded. There are many types of extended coverage and this is only a partial list.
The most common type of homeowners insurance is the HO-3, which covers your home and detached structure on an open perils basis, and your personal property by named perils. HO-3 policies also ...
Circuit courts are the trial courts with the broadest powers in Michigan. [1] [2] In Michigan, circuit courts handle all felony criminal cases that could result in confinement to prison. [1] [2] They also deal with all civil cases for claims in excess of $25,000.00. [1] [2] There are 57 circuit courts in the state of Michigan.
Damage occurring from a covered homeowners insurance peril is typically covered, whereas damage that is excluded or not part of the named perils on your policy will usually not be covered.