Homeowners Insurance FAQ's
The HO-1 Policy
The HO-1 policy is the basic coverage policy for homeowners. It covers against 11 basic perils. The 11 perils covered in the HO-1 policy are fire, lightning, hail, explosion, riot/civil commotion, aircraft, vehicles, smoke, glass breakage, and theft. While it may seem that this covers a great deal of events, the HO-1 policy is very specific in these terms.
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