Get Homeowners Ho 00 04 05 11 Homeowners 4 Contents Broad Form

An HO-1 insurance policy is the most basic form of homeowners coverage. It protects the physical structure of a home from circumstances specifically listed on the policy. An HO-1 home insurance policy does not provide coverage for liability, personal belongings, or additional living expenses only the dwelling itself.

An HO4 policy, also called renters insurance, protects a renter's personal property and addresses their personal liability. ... Replacing your property when it's stolen or damaged by a covered incident. Legal expenses when someone is injured in your rented space or you damage their property.

Renters Insurance Form: HO-4 A standard renters insurance policy is also known as an HO-4. This type of policy form helps protect a renter's personal belongings against 16 perils, says the III. An HO-4 does not cover damage to the rental unit.

An HO8 policy, also called the modified coverage form, is home insurance for older buildings where the replacement costs potentially outweigh the market value.

The HO2 policy is a named-perils only insurance policy which means that it covers both your dwelling and personal property from damage caused by events, or perils, specifically named in your policy and nothing else. Some of the common named-perils found in an HO2 policy include: Theft. Fire or Lightning.

A homeowners insurance (HO-3) policy is a coverage plan that covers your home's structure, your personal belongings and liability in the event of damage or injury. Typically, an HO-3 policy will also cover additional living expenses and protection for other structures on your property.

What Is an HO5 Form? Sometimes called the comprehensive form, an HO5 policy is a type of home insurance written on an open-perils basis. This means your insurer covers damage to your home and personal property when it's caused by an event, or peril, as long as it's not listed as an exclusion in the policy.

Which Homeowners policy form does not apply to an owner occupant. The HO4 does not apply to an owner occupant; The HO4 is for renters.