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You may find that your current homeowner's insurance does not include coverage for some prevalent loss scenarios. See below for a list of the most common exclusions:

• Floods
• Earthquakes
• Neglect or wear and tear
• Sewer backups
• Animal Liability

 Types of Policies:

• HO-1 – Basic coverage (rarely used).
• HO-2 – Broad coverage for specific perils.
• HO-3 – Standard policy covering most perils (except exclusions).
• HO-5 – Comprehensive policy with higher coverage limits.
• HO-6 – Condo insurance.
• HO-8 – Older home insurance.

You can lower your insurance premium by increasing your deductible, bundling your policies, and taking advantage of available discounts.

On your policy, you will see coverages A-F, many of which play an important part in covering you against all types of loss scenarios that may occur at your home. 

 These Coverages Include:

• Dwelling Coverage – Protects the structure of the home (walls, roof, foundation, etc.).
• Personal Property Coverage – Covers belongings inside the home, like furniture and electronics.
• Liability Protection – Covers legal costs if someone is injured on your property.
• Additional Living Expenses (ALE) – Covers temporary housing if your home becomes uninhabitable.