Home Insurance Policies

Homeowners insurance is designed to protect your home from what is called “perils.” A peril is your exposure to risk or something that causes loss or destruction. As a homeowner, you can typically purchase three different types of home insurance policies. They are:

Homeowners 1 (HO1): With this policy, your property is covered against 11 basic perils.
Homeowners 2 (HO2): This policy protects your property against 18 perils (including 11 perils from Homeowners 1).
Homeowners 3 (HO3): With this policy, your property is protected against most known perils, including some that are not covered by Homeowners 2.

Please see the following table for a breakdown of what perils are covered by the three different homeowners policies.

Home Insurance Policies and What They Cover
Types of Perils	Covered Perils
Types of 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.

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