Home Insurance Policies

Homeowners insurance is designed to protect your home from what are 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.

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