Homeowners Insurance Forms: Coverage Types & Key Features

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Last updated 3:52 AM on 4/20/26
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7 Terms

1
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HO-1

Named perils only (fire, lightning, theft, windstorm, hail, explosion, smoke, riot, vehicles, volcanic eruption, vandalism)

2
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HO-2

Named perils + more (falling objects, weight of ice/snow, water damage from plumbing, freezing of plumbing, electrical surge)

3
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HO-3

Open perils on dwelling, named perils on personal property

4
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HO-4

Covers tenant's personal property, liability

5
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HO-5

Open perils on both dwelling & personal property

6
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HO-6

Covers unit's interior & personal property, liability

7
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HO-8

Limited coverage, actual cash value