Home Coverages

Protect your home, your belongings, and your financial security with home insurance. We have a variety of coverages to fit your budget.



Policy that contains coverage to cover the structure of the house, that is, the 4 walls and the roof. Covers when a fire, windstorm and hail situation occurs. It also covers heating, plumbing, and air conditioners. This type of event is defined by a percentage deductible which varies depending on the monetary value of the house.



Policy that contains coverage to cover both the structure, as well as everything in and around the house. Covers fire, wind storms, rain and hail, in addition to other more specific situations.
A basic homeowners insurance policy with limited coverage that protects the home from a specific list of 10-11 perils.
  • HO-1 does not cover personal belongings in the home.
  • Does not include personal liability Risk list
  • Fire or lightning.
  • Wind storms or hail.
  • Explosion.
  • Riots and civil commotion.
  • Aircraft.
  • Vehicles.
  • Smoking.
  • Vandalism.
  • Theft.
  • Volcanic eruptions.
  • Glass that is part of the home.
A basic policy that protects against 16 perils. HO-2 also covers personal property in the home. It is a basic policy with lower premiums and lower levels of coverage. List of risks
  • Fire or lightning
  • Windstorms or Hail
  • Explosion
  • Unrest and civil commotion
  • Aircraft
  • Vehicles
  • Smoking
  • Vandalism
  • Theft
  • Volcanic eruptions
  • Glass that is part of the home
  • Frozen domestic systems
  • Broken pipes
  • Water or steam damage
  • Electrical damage
  • Falling objects
  • Damage from the weight of snow or ice.
It is the most common policy because its wide range of coverage includes personal liability coverage if you accidentally injure someone or damage their property. Protects against the 16 most common perils and almost every other peril, except those specifically excluded in the policy. They only cover personal belongings in the home against perils covered by an HO-2 policy form. Secure attached structures such as a deck or garage and your belongings.
The HO-5 policy form is a more complete version of the HO-3 form. Like an HO-3, the HO-5 covers all 16 hazards plus any hazards that are not specifically listed as an exclusion. Unlike HO-3, HO-5 is more comprehensive and covers personal property for almost all hazards, unless the article is explicitly excluded. It is generally only available to those who own a new, well-maintained home close to fire protection services.
An HO-8 policy form is designed for older homes that have a replacement cost that exceeds the actual cash value of the home. In the event of a loss in this case, the actual cash value payment would be much less than the replacement cost. HO-8 policies are more affordable because of that small fee. Homes are typically over 40 years old and do not qualify for an HO-3 policy. It only covers the 11 common hazards.
Covers personal property in a rented house or apartment. covers your belongings against all 16 hazards. It only covers your personal items and not the building because the owner is responsible for insuring the home.
Covers personal property of condo owners against all 16 hazards and typically also includes liability insurance.
Policies can cover the same 11 hazards that an HO-1 or as many hazards as the HO-3 forms detailed above. Mobile home coverage is not current while the house is in transit, only when is parked.

Covered risks






Impact of snow and ice


Vandalism and / or theft

Civil liability for injuries


Life insurance helps you protect what matters most: your loved ones. It is a financial safety net for your family. There are two types of policy that you can take out.