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HO-2 policies are a step up from HO-1 policies, but do not offer as much coverage as an HO-3, which is the most common type of homeowners insurance policy. Like other home insurance policies, HO-2 ...
In this home insurance guide, Bankrate’s insurance editorial team provides research to help homeowners make informed decisions on homeowners insurance. ... HO-2 policies will cover detached ...
Homes covered by an HO-2 Broad policy accounted for 5.15%, which covers only specific named perils. The remaining 2% includes the HO-1 Basic and the HO-8 Modified policies, which are the most limited in the coverage offered. HO-8, also known as older home insurance, is likely to pay only actual cash value for damages rather than replacement. [13]
The most basic home insurance policy is an HO-1, which provides coverage on the structure of your home. An HO-2 is a step above the HO-1, as it covers your home and personal belongings for named ...
Learn more: HO-2 insurance. HO-3. The most common type of homeowners insurance is the HO-3 Special Form policy, which covers your home, your personal property, liability, additional living ...
Home insurance is not required by law; however, your mortgage lender may require it as a term of your loan. ... There are many types of homeowners insurance. An HO-3 policy is the most common ...
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