|
Comparison of Coverages Under
Homeowners Program |
| |
HO-1 |
HO-2 |
HO-3 |
HO-4 |
HO-5 |
HO-6 |
HO-8 |
| Fire, lightning, windstorm, hail,
riot, civil commotion, aircraft, explosion |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Bursting of steam or hot water
appliances and heating systems |
No |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
| Damage by vehicles:
Building |
Yes, except by occupant of premises |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes, except by occupant of premises |
| Smoke:
(a) Fireplace
(b) Heating or cooking unit |
No |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
| Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| |
HO-1 |
HO-2 |
HO-3 |
HO-4 |
HO-5 |
HO-6 |
HO-8 |
| Vandalism or malicious mischief |
Yes, except if vacant over 30 days |
Yes, except dwg loss if vacant over 30 days |
Yes |
Yes, except dwg loss if vacant over 30 days |
Yes |
Yes, except if vacant over 30 days |
| Water: Flood, surface water |
No |
No |
No |
No |
No, except personal property off premises |
No |
No |
| Water: Backup of sewers, drains |
No |
No |
No |
No |
No |
No |
| Water: Leaking from plumbing,
heating or air conditioning system |
No |
Yes, except loss to involved system itself |
No |
| Water: Rain through faulty roof,
windows, doors |
No |
No |
Yes, dwelling only |
No |
Yes |
No |
No |
| |
HO-1 |
HO-2 |
HO-3 |
HO-4 |
HO-5 |
HO-6 |
HO-8 |
| Water: Freezing of plumbing and
heating systems |
No |
Yes, except while vacant or unoccupied and proper heat
not maintained or system not drained |
No |
| Falling object, including trees |
No |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
| Weight of ice, snow, sleet |
No |
Yes |
Yes |
Yes |
Yes |
Yes, to property inside building |
No |
| Collapse of building |
No |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
| Sudden, accidental injury to
electrical appliances |
No |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
| Theft: Building Materials |
Yes, except when dwelling is under construction and prior
to occupancy. |
Yes,
to $1000 |
| Theft: Personal Property |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes,
to $1000 |
| |
HO-1 |
HO-2 |
HO-3 |
HO-4 |
HO-5 |
HO-6 |
HO-8 |
| Theft: From unattended auto off
premises |
No |
No, unless by forced entry: available by endorsement |
No |
Theft: "Mysterious Disappearance"
(from known place when theft is likely) |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes,
to $1000 |
|
