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Know what coverages best suit your needs, from personal and real property to liability coverage.
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Basic Form policy HO-1
Protects home owner against basic perils
such as fire, smoke, explosions, lightning,
volcanic eruptions and damage from aircraft.*
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Broad Form Policy HO-2
Covers the basic perils in addition to
accidents caused by electric currents, structure, personal belongings, and personal liability.*
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Special Form Policy HO-3
Covers the basic and broad form perils in addition to damages to someones else's property or injuries to them.*
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Tenant's Form HO-4
Also known as Renters Insurance. Covers
tenant's personal belongings
and provides personal liability coverage.*
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Comprehensive Form HO-5
Protects homeowner against all perils
except those listed in the policy.*
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Condominium Unit Form HO-6
It insures owners or occupants of
condominium personal property, walls, floors
and ceiling against most perils.*
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Mobile Home Form HO-7
Special Coverage for Mobile Home owners.
Similar to a Special Form Policy.*
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Older Home Form HO-8
Similar to a Basic Form Policy, this Policy covers
older homes where the cost to rebuild is greater than the market value.*
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Dwelling Fire Form
Covers your dwelling against special perils only.
This policy is commonly used for vacation homes.*