HO-1 : That includes the basic policy owner, the damage caused by: fire, lightning, smoke, vandalism, theft, ice, snow, hail, riot, and the volcano eruption. As this policy offers basic protection which his popularity faded over the years />
HO-2

HO-3 . This policy provides protection against the hazards of nature. The insurance premium could be higher for properties located in areas with cyclones and storms. The policy also includes up to 00 dollars in jewelry against loss through theft. The HO-3 covers the costs for the reconstruction of the house when the house is destroyed. As policy HO-2 HO-3 covers the cost of damage to the house because of flooding caused by overflowing water and the heating system malfunctions. Liability claims against the owner may be filed by people who may be injured on the owner’s property, are also covered by this policy. However, it provides no protection against floods and earthquakes. Thus, an owner is likely to buy additional insurance against floods and earthquakes

HO HO-4 and-6 . This policy does not cover damage to the building. They only provide protection against loss of personal property. Therefore, it is ideal for apartment owners and tenants.

HO-5 : This is the comprehensive policy. The cost of the policy is 15% more than the cost of the HO-3. In addition to including the cover provided by HO-3, this policy insures against the loss of construction and property sector as a result of a number of factors. The purchase of a package that provides protection against a number of factors, the rest is for the owner.


Cheap home insurance in accordance