Homeowners Insurance – Summary of Types

HO- Name Description
0 Dwelling fire form Mortgage lenders
1 Basic form Limited coverage (obsolete)
2 Broad form Named perils, covers more than HO1
3 Special form Single family homes (comprehensive)
4 Contents broad form Renters Insurance
5 Comprehensive form More than HO3, covers everything not excluded
6 Unit owners form Condo or co-op
7 Mobile home Mobile and manufactured homes
8 Modified form Replacement cost > market value (old homes)
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