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Homeowner policies will differ on where you live, the valuables in the home and which coverages you choose. A comprehensive plan will cover you financially if you have a loss due to fire, theft or other events, in addition to the event if someone is injured on your property.

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Types of homeowners insurance

• HO-1: The most basic and limited type of policy for single-family homes, HO-1s are all but nonexistent nowadays

• HO-2: A more commonly used policy and a slight upgrade from the HO-1

• HO-3: The most common type of homeowners insurance policy, with broader coverage than the HO-2

• HO-4: A policy type that is specifically for renters (usually called renters insurance)

• HO-5: The most comprehensive form of homeowners insurance and the second most common policy type for single-family dwellings

• HO-6: A type of coverage designed for condo owners

• HO-7: The type of policy you get if you own a mobile or manufactured home

• HO-8: A special type of homeowners insurance for older homes that don’t meet insurer standards for other policy forms

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• Property Coverage - to pay for repairs to your home, garage or other buildings that are damaged.

• Personal Property - if you have a loss of valuables in your home like jewelry, electronics or guns due to theft or damage.

• Liability - this will cover if there is a claim when someone is injured, or their property is damaged.

• Medical Expenses - this would be medical coverage for someone that is injured, other than a resident, on your property.

• Living Expenses - if you have a complete loss, you may need extra temporary housing or food when you are forced from your home.

 

So, contact us today at 770-852-0657 to find out more about home insurance in your area.

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