Homeowners Insurance

Homeowners (HO) insurance plans are as follows:

• HO-1: Basic form of homeowners insurance provides coverage for damages caused by
• Smoke
• Thunderstorms
• Fire
• Lightning
• Theft
• Vehicle/aircraft damage

( There are 11 different scenarios covered under this basic homeowners insurance plan. )

• HO-2: Broad form of homeowners insurance provides coverage for homes located in areas experiencing lots of snowy weather. It covers all things falling under the HO-1 policy, and 6 more scenarios, including damage caused by
• Ice
• Sleet
• Plumbing problems
• Power outages/surges

• HO-3: Special form of homeowners insurance that provides coverage for everything with the exception of damage caused by extreme circumstances such as
• War
• Nuclear devastation
• Earthquakes

• HO-4: This renters' insurance policy is made up from pieces of HO-2 & HO-3.

• HO-5: Comprehensive form of homeowners insurance that is the most thorough of all the homeowners insurance policies. (Also the most expensive) Not always offered by providers for various reasons.

• HO-6: Condominium owner's policy covers everything inside the condo, leaving the condo itself to be insured by the condo association.

• HO-8: Policy covering older homes that is more or less the same as HO-1 policy, with the difference being that cost of the house is covered itself.

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