Confidence du sénateur Jacques Sauveur à Valéry NUMA sur les sénateurs du parti PHTK - Reginald Boulos réagit et apportes de clarifications

Confidence du sénateur Jacques Sauveur à Valéry NUMA sur les sénateurs du parti PHTK - Reginald Boulos réagit et apporte de clarifications - Détails ci-dessous...

 

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While hazard insurance is arguably the most important type of coverage within your homeowners insurance policy, other forms of coverage, such as liability insurance, are also important. 

Because of this, HO-1 policies, the most basic type, are no longer offered in a number of states. They don't provide any coverage apart from hazard insurance, and even then the perils they cover are limited.

Some HO-2 policies offer liability protection, but not all. Because of this, HO-2 policies are far less common than HO-3s. HO-3s are by far the most common form of homeowners insurance. Unless you are a renter or an owner of a condo, mobile home, or significantly older house, an HO-3 is probably the policy you should purchase.

When shopping for homeowners insurance, you may or may not have a choice of which type of policy to choose. For example, if you're borrowing money from a mortgage lender, they may dictate the type of policy you must purchase—usually an HO-3 policy. In these situations, the policy your lender requires is likely the fairly comprehensive in terms of hazard coverage.