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- Rebecca, 49, NE

Choosing the right home insurance type

Having a house makes it necessary to buy home insurance if you want your property to be protected against different perils. There are different types of risks that a home insurance policy can protect you against, ranging from fire and flood to theft and legal claims. And there are different types of home insurance policies that carry specific types of coverage with them.

Here is the most common classification of home insurance policies according to their type:

* Homeowners – 1 (HO – 1)

– This is the most stripped-down form of home insurance that provides protection only for specific items, which are to be specified in the policy. In case these particular items are damaged you will be covered. This form of home insurance is suitable for insuring valuable items in your house.

* Homeowners – 2 (HO – 2)

– This is a more specific form of HO – 1 home insurance policy, and the main difference is that the items specified in the policy will only be covered against specific events mentioned in the policy.

* Homeowners– 3 (HO-3)

– The most common basic home insurance type, known as “all risk” or “open perils” policy.  It covers the entire house and most of its contents as well against various types of damage, excluding specific situations like flood, earthquake or nuclear accident.

* Homeowners– 4 (HO – 4)

– Also known as the renter's insurance, this type of home insurance covers your personal items against a set of perils while you're living in a rented home.

* Homeowners– 5 (HO – 5)

– This quite similar to the HO-3 policy, but providing broader coverage options, However, this type of home insurance will only cover a single family home, not an apartment or a condo.

* Homeowners– 6 (HO – 6)

– This home insurance types is also known as condominium coverage and as you've already guessed it offers coverage to your property in the condo.