Homeowners (HO-3, HW-2)

This policy type is available for detached, single-family homes and duplexes in which at one unit is owner-occupied. The owner must live in the home as their primary residence. A homeowners policy covers the building, other structures on the property, and the owner's personal property, and also provides additional living expense and personal liability coverage.

Modified Homeowners (HO-8)
Another type of homeowners policy - HO-8 - offers modified coverage for 11 named perils, with several major exclusions. This limited coverage excludes many types of losses, including most caused by water. Full replacement cost coverage is not available with an HO-8 policy. Claim payments are commonly made for actual cash value, which can result in significantly lower claims payouts. HO-8 policies may not meet the minimum insurance requirements of many mortgage holders. Confirm with your mortgage holder that the HO-8 policy meets your insurance requirements before purchasing.

Renters

Tenant/Renters Contents (HO-4, HW-4)
Available to renters or tenants of a site- built home, apartment or condominium unit (excludes manufactured and mobile homes), this policy covers renter or tenant personal property, additional living expenses and liability. It does not provide coverage for the structure itself.

Mobile Home Tenant/Renters Contents (MHO-4)
This coverage is available to renters or tenants of a mobile or manufactured home. It covers the renter or tenant's personal property, additional living expenses and personal liability. It does not provide coverage for the structure itself.