The Homeowners Modified Form 8 (HO 8) is part of the Insurance Services Office, Inc. (ISO), homeowners portfolio. The HO 8 form provides basic named perils coverage for direct damage to property, personal liability coverage, and medical payments to others as respects owner-occupied dwellings. ...
In the U.S. there are eight types of insurance policies, HO-1 through HO-8, which offer different levels of protection to the policyholder depending on their needs and the type of property insured. Below is information on each insurance form and what is and is not covered. The most popul...
HO–2 insurance An HO-2 insurance policy is also known as a broad form and covers your home and your personal belongings. Most home insurance companies will cover your personal belongings up to a specified level if they are at home, in your car or somewhere else, such as an offsite stor...
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The HO2 offers limited coverage compared with HO3 insurance and is sometimes known as the “broad form.” It only covers perils that are specifically named in the policy, so if your home is damaged due to a different event, then you’re on the hook for repairs. ...
3. HO-3: Special Form HO-3 is the most common type of homeowners insurance. It offers broad coverage for the structure of the home and personal belongings, excluding specific perils mentioned in the policy. 4. HO-4: Renters Insurance Designed for renters, this policy provides coverage for...
HO-3 –Special Form Homeowners HO-4 –Renters HO-6–Condo HO-7 –Mobile Home DP –Landlord Now, let’s take a closer, more detailed look into what each policy type entails. Homeowners State Farm offers a traditional homeowners policy, otherwise known as an HO-3. The standard HO-3 will...
d. Forms HO-3 and HO-4 a Which of the following forms of the homeowner policy is tailored to apartment renters? Select one: a. Special form b. Broad form c. Basic from d. Contents Broad form d Which of the following Homeowner forms ARE NOT purchased by an amount of Coverage A?
The most common type of homeowners insurance is called an HO-3 Policy or a Homeowners Policy Special Form. This is an open peril policy. That means it covers the homeowner from losses resulting from all causes, except those that are...
The most common types are HO-1 (basic coverage), HO-2 (broad coverage), HO-3 (special form coverage), and HO-5 (comprehensive coverage). Additionally, there are specialized policies like condo insurance (HO-6) and renters insurance (HO-4), among others. ...