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Home Insurance Policy Types

Homeowners can purchase three different types of home insurance policies:

• HO1 Home Insurance Policy – Protects property and 11 basic perils
• HO2 Home Insurance Policy – Protects property and 18 perils (including the 11 an HO1 covers)
• HO3 Home Insurance Policy – Protects against most perils, including some not covered by an HO2

Home Insurance Policies and What They Cover
Types of Perils	Covered Perils
	HO1	HO2	HO3
Fire or lightning	x	x	x
Loss of property on premises due to fire or other perils	x	x	x
Vehicles	x	x	x
Windstorm or hail	x	x	x
Smoke	x	x	x
Explosions	x	x	x
Theft	x	x	x
Vandalism and malicious mischief	x	x	x
Riot or civil commotion	x	x	x
Aircraft	x	x	x
Breakage of glass constituting part of the building	x	x	x
Collapse of building(s)		x	x
Weight of ice, snow or sleet		x	x
Freezing of plumbing, heating and air conditioning systems and domestic appliances		x	x
Falling Objects		x	x
Accidental discharge, leakage or overflow of water or steam from within a plumbing, heating or air conditioning system or domestic appliance		x	x
Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system or of appliances for heating water		x	x
Sudden and accidental damage from artificially generated currents to electrical appliances, devices, fixtures and wiring		x	x
All perils except for flood, earthquake, war, nuclear accident. (Check your policy for complete list of perils.)			x
Coverage for jewelry, art, antiques, etc. May also include coverage for building code upgrades and sewer backups.	Can be added to any policy for an additional charge.

Please note: The home insurance policy types listed above may differ by name and may not be available through every home insurance provider. In some cases, coverages listed as "not included" may be added to your policy for an additional cost.