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A home is the main asset of every individual. In order to protect it, knowing the right coverage is a necessity. Home insurance can provide coverage for catastrophes that can happen within or outside your home. For example you can protect yourself against damages that may happen to your dwelling structure, contents, and liabilities.

Types of Home Insurance include:

HO-3 Form

Homeowners Insurance-Actual Cash Value replacement

HO-4 Form

Renters

HO-5 Form

Homeowners Insurance- Replacement Cost

HO-6 Form

Condominium

DP-3 Form

Homeowners for landlords

HO-3 and HO-5

Home Insurance has many elements that offer protection for your home from top to bottom. The primary HO-3  and HO-5 coverage for single family homes include:

 

HO-4

This coverage is otherwise known as renter insurance which provides coverage for personal liability, personal property, and additional living expenses. Landlords may require tenants to obtain renter coverage before moving in.

HO-6

This coverage is for condominium, co-op’s, and townhomes. HO-6 policies are similar to your traditional HO-3 policies except in most cases your homeowners association master policy provides exterior dwelling coverage which you pay for with your homeowners association dues. For this reason, your Coverage A is going to insure walls in coverage such as your cabinets, flooring, countertops, and other fixed items to your dwelling.

DP-3

This policy covers the landlord’s when there’s a loss. All DP-3 coverage covers the dwelling including the attached structures. Some DP-3 policies also covers loss of rental income, and landlord contents such as appliances. DP-3 also covers landlord liability when a lawsuit is brought against them.

 



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