What is covered under HO 5?

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Dwelling: HO-5 dwelling coverage protects your home’s main structure, including its exterior and interior walls, foundation and roof. Other structures: This type of coverage protects detached structures on your property, like fences, gazebos, guest houses and swimming pools. Aug 5, 2020

What is an HO 8?

Homeowners Modified Form 8 (HO 8) — part of the Insurance Services Office, Inc. (ISO), homeowners portfolio, the HO 8 form provides basic named perils coverage for direct damage to property, personal liability coverage, and medical payments to others as respects owner-occupied dwellings.

How do I choose a home insurance company?

When choosing a homeowners insurance company, look for one that: provides coverage in your area. has competitive rates and good discounts. has a good financial strength rating. has good reviews from professional sources and customers. offers 24/7 assistance through its website, live operators, or a local agent. 4 days ago