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What Kind of Home Insurance Should You Get?

  • Posted on August 3, 2022
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  • Posted by Schumm

Besides looking for a big house in a nice neighborhood, part of searching for a home is finding the best homeowners insurance for the new home. Most people search for a typical single-family home, but that is not the only type of home you may be interested in. Let’s look at insurance for homes that you would want to know about before purchasing your new home.

The most basic type of insurance is the HO-1 policy. This policy provides coverage for the house and attached structures like garages, home features and appliances in a natural disaster, aircraft damage, vandalism, and riots.


Video Source

It, however, does not cover personal property or living expenses. An HO-2 policy covers your property and personal belonging, whether they are in the house or your car. Some of the items this policy covers include damage from falling objects, freezing pipes, heating from air conditioning systems, and damage from power surges.

An HO-3 policy is the most popular home insurance cover among homeowners. It safeguards your home, personal belongings, living expenses, liability, and medical payments in case of an illness. Click the video link above to learn more about home insurance.

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