An HO-1 policy, informally known as a “bare bones” policy, is a type of homeowners insurance that offers basic coverage. This type of policy is the most limited homeowners insurance policy that can be ...

Property and casualty agents sell several types of home insurance based on dwelling type. Homeowners insurance is not required by law, but mortgages can require it. Insurance providers allow you to ...

The most common type of homeowners insurance policy is the standard HO-3 Special Form policy. HO-5 policies offer the broadest coverage of all policy types. Open peril coverage means losses are ...

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