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7 Homeowners Insurance Policies Outlined


Similar to the seven deadly sins, the seven general homeowners insurance policies each play a specific role. Designated for different homeowners and circumstances, the policies can be customized with riders and add-ons to create the most convenient homeowners insurance policy. Before deciding on a type of coverage, however, homeowners should compare homeowners insurance quotes to familiarizes themselves with quality policies.

The Internet, according to a recently published article on, is the best place to seek homeowners insurance quotes: “When you are looking for homeowners insurance quotes, the company you are receiving the quotes from will generally offer you seven different policies for which you can choose from.”

The seven general policies are all different. HO-1 is the most basic policy which offers coverage for your house and its contents from damage resulting from fire, theft, and some weather. HO-2 is a bit more extensive than HO-1 and is aimed toward home owners affected by snow and other climate conditions. HO-3 focuses more on the actual structure of your home while HO-4 is similar to HO-2 and HO-3 but is more helpful to renters. HO-5 is the most expensive and extensive policy, HO-6 is for condominium owners and HO-8 is for vintage homes.

While HO-5 is the most extensive policy, it’s not for everybody. “HO-5 isn’t offered by all insurance companies but includes protection against practically everything excluding wars, earthquakes and floods,” the article, Home Insurance Policies: Your Options, reports.

To find out which of these seven homeowners insurance polices works best for you, start by going online to compare homeowners insurance quotes or contact your home insurance agent today. By getting expert advice, you won’t have to worry about choosing the wrong policy.

Staff contribution: Rafael Onak

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