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January 8, 2025
Types of Home Insurance Policies: A Guide for Every Homeowner
HO-1: Basic Form Covers a limited set of perils such as fire and theft. This policy is rarely used today because of its restricted coverage. HO-2: Broad Form Offers slightly expanded coverage for events like windstorms, hail, and vandalism. HO-3:…
January 2, 2025
High-Value Home Carriers: What You Need to Know
What Are High-Value Home Carriers? High-value home insurance caters to homeowners whose properties exceed the limits of standard policies. These carriers specialize in insuring homes with high market values (typically $1.5 million or more), distinctive architecture, and valuable contents like…