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Homeowners Modified Coverage Form

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Mobile Home Insurance Policy

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Condo Insurance or Homeowners Unit Coverage

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Homeowners comprehensive form

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Also known as Homeowners Contents Broad Form

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Covers Dwelling and contents

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Renters Insurance Policy

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Covers only the contents of the person renting the property

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Most common homeowners insurance policy form

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Known as Broad Form

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These Perils include:
Fire or Lightning
Windstorm or Hail
Explosion
Riot or civil Commotion
Damage caused by aircraft
Damage caused by vehicles
Smoke
Vandalism
Theft
Volcanic eruption

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Only Covers 10 Perils

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Due to limited coverage many insurers no longer offer this type of policy

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Known as a Basic Form

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Also provides limited coverage

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Also known as a "Special Form"

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Covers dwelling and contents

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Called a broad form because it offers more coverage than the HO-1

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Offers open peril coverage for the structure of the home

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Covers Dwelling and contents

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HO-3 offers "named peril" coverage for your personal property (such as furniture, electronics and clothing). With named peril coverage, your policy helps pay to repair or replace your belongings only if they're damaged by the perils that are specifically listed in your policy. If the peril is not listed, it is not covered.

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Covers all perils except those excluded in your policy.
(READ YOUR POLICY CAREFULLY FOR EXCLUSIONS)

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Covers the renters contents in the home against the same 16 perils in the HO-2 policy

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Covers all perils listed in te HO-1 including:
1) Falling objects
2) Weight of ice, snow, and sleet
3) Accidental overflow of water or steam from within plumbing, heating, air conditioning, automatic fire sprinkler protection system, and household appliances.
4) Sudden and accidental tearing apart, cracking, burning or bulging of a steam of hot water heating system, an air-conditioning or automatic fire protective sprinkler system or an appliance for heating water
5) Freezing of a plumbing, heating, air conditioning system, a automatic fire sprinkler system, or a household appliance.
6) Sudden and accidental damage from artificially generated electrical current.

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Does not cover damage to the rental property. The landlord would need to purchase a separate landlord coverage policy.

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Coverage is normally provided under the HO-4 Form as follows:
Coverage C (Personal Property) – Subject to a minimum as determined by your insurance company
Coverage D (Loss of Use) – As shown on the declarations page
Coverage E (Personal Liability) – Subject to a minimum of $100,000
Coverage F (Medical Payments to Others) – Subject to a minimum of $1000

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May be used to provide coverage on a single family dwelling or townhouse.

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Covers dwelling and contents

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The dwelling, other structures, and personal property are insured on an open peril basis.

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The coverage amounts under the Homeowners Comprehensive Form are the same as under the Homeowners Broad Form.

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Covers all perils except those excluded in the policy

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Also referred to as "Walls In" coverage. This means the policy covers the owners contents inside the walls of the condo.

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Only covers the owners contents. Since most condominiums are owned by a condo association they must provide coverage on the structure and common areas.

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Covers 16 perils

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Coverage is normally provided under the Homeowners Unit-Owners Form as follows:
Coverage A (Dwelling) – $1,000
Coverage C (Personal Property) – Subject to a minimum as determined by insurance company
Coverage D (Loss of Use) – As shown on the declarations page
Coverage E (Personal Liability) – Subject to a minimum of $100,000
Coverage F (Medical Payments to Others) – Subject to a minimum of $1000

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This type of policy form is a modified version of an HO-2.

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The perils covered by an HO-7 may be different than those covered by a standard HO-2.

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May be used to provide coverage for older homes

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Settled claims are paid on Actual Cash Value

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Historic homes and registered landmarks usually carry this type of policy.

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Covers the dwelling and contents against the same ten perils listed in the HO-1 policy

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Coverage is normally provided under the Homeowners Modified Coverage Form as follows:
Coverage A (Dwelling) – Subject to a minimum as determined by your insurance company
Coverage B (Other Structures) – 10 percent of Coverage A Coverage C (Personal Property) – 50 percent of Coverage A
Coverage D (Loss of Use) – 20 percent of Coverage A Coverage E (Personal Liability) – Subject to a minimum of $100,000
Coverage F (Medical Payments to Others) – Subject to a minimum of $1000