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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
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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