{"id":320810,"date":"2025-11-11T12:46:32","date_gmt":"2025-11-11T17:46:32","guid":{"rendered":"https:\/\/www.reviews.com\/?p=121830"},"modified":"2025-11-11T12:46:32","modified_gmt":"2025-11-11T17:46:32","slug":"types-of-policies","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/types-of-policies\/","title":{"rendered":"Types of Homeowners Insurance Policies"},"content":{"rendered":"\n\n\n<p>Finding home insurance that truly protects your home and belongings means navigating standardized policy \u201cforms\u201d and fast\u2011changing market conditions. Policy types like HO\u20113 (the most common homeowners form per <a href=\"https:\/\/content.naic.org\">NAIC<\/a>) or HO\u20116 (for condos\/co\u2011ops) are matched to the kind of home you have and the coverages you need. In 2025, availability, pricing, and terms are also being shaped by climate and catastrophe trends (more high\u2011cost events and tighter underwriting), expanded use of peril\u2011specific deductibles, and state regulatory changes that affect how policies are priced and which add\u2011ons may be required or rewarded (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>; <a href=\"https:\/\/www.gallagherre.com\/insights-publications\/reports\/1st-view-january-2025\">Gallagher Re<\/a>; <a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/200-catastrophes\/Sustainable-Insurance-Strategy\/\">California DOI<\/a>).<\/p>\n\n\n\n<p>Understanding where standard homeowners insurance protects you\u2014and where it does not\u2014is essential. <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">The best homeowners insurance<\/a> can cover many common losses, but standard forms exclude flood and often limit certain water or earth\u2011movement losses, so endorsements and separate policies matter. If you live in a <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/break-in-prone-areas\/\">break-in prone neighborhood<\/a> or a <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/hurriance-coverage\/\">hurricane evacuation zone<\/a>, confirm special deductibles (e.g., wind\/hail or named\u2011storm) and add-ons like water backup, service line, or separate flood and earthquake coverage. Current consumer and regulator guides explain these gaps and options (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.iii.org\/article\/standard-homeowners-insurance-policies\">Insurance Information Institute<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 9 Types of Homeowners Insurance Policies<\/h2>\n\n\n\n<ul><li><a href=\"#ho-1\">HO-1<\/a><\/li><li><a href=\"#ho-2\">HO-2<\/a><\/li><li><a href=\"#ho-3\">HO-3<\/a><\/li><li><a href=\"#hob\">HOB<\/a><\/li><li><a href=\"#ho-4\">HO-4<\/a><\/li><li><a href=\"#ho-5\">HO-5<\/a><\/li><li><a href=\"#ho-6\">HO-6<\/a><\/li><li><a href=\"#ho-7\">HO-7<\/a><\/li><li><a href=\"#ho-8\">HO-8<\/a><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"> HO-1: Basic Form<\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"ho-1\" > <\/span>\n    \n\n\n<p>HO\u20111 (Basic Form) is a limited named\u2011perils policy and is largely unavailable today\u2014many states do not offer it at all. Authoritative consumer resources state that HO\u20111 is \u201cnot available in most states\u201d and is no longer widely sold; where a basic option exists, it is often a state\u2011specific form (e.g., Texas HO\u2011A) or a dwelling fire policy, not ISO HO\u20111 (<a href=\"https:\/\/content.naic.org\">NAIC consumer guide<\/a>; <a href=\"https:\/\/www.iii.org\/article\/what-are-the-different-types-of-homeowners-insurance\">Insurance Information Institute<\/a>; <a href=\"https:\/\/www.tdi.texas.gov\/pubs\/consumer\/cb025.html\">Texas Department of Insurance<\/a>; <a href=\"https:\/\/www.insurance.wa.gov\">Washington OIC<\/a>; <a href=\"https:\/\/oci.wi.gov\/Documents\/Consumers\/PI-015.pdf\">Wisconsin OCI<\/a>; <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>).<\/p>\n\n\n\n<p>An HO\u20111 typically insures only these ten named perils, often at actual cash value and with limited or no liability\/personal property coverage compared to modern HO\u20113 policies:<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Fire and smoke<\/li><li>Explosions<\/li><li>Lightning<\/li><li>Hail and windstorms<\/li><li>Theft<\/li><li>Vandalism<\/li><li>Damage from vehicles<\/li><li>Damage from aircraft<\/li><li>Riots and civil commotion<\/li><li>Volcanic eruption<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">HO-2: Broad Form <\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"ho-2\" > <\/span>\n    \n\n\n<p>HO\u20112 is a named\u2011perils homeowners contract that covers a standardized list of 16 perils; if a peril is not listed, it\u2019s not covered. As of 2025, reputable sources confirm no changes to the HO\u20112 base peril list\u2014any broadenings occur through endorsements or by choosing open\u2011perils forms like HO\u20113\/HO\u20115 (<a href=\"https:\/\/www.iii.org\/article\/standard-homeowners-insurance-policies\">Insurance Information Institute<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.tdi.texas.gov\/pubs\/consumer\/cb025.html\">Texas Department of Insurance<\/a>; <a href=\"https:\/\/www.verisk.com\/insurance\/visualize\/iso-s-2022-homeowners-program-helps-insurers-address-evolving-exposures\/\">Verisk ISO 2022 program update<\/a>; <a href=\"https:\/\/www.irmi.com\">IRMI<\/a>).<\/p>\n\n\n\n<p>Beyond the ten HO\u20111 perils above, HO\u20112 includes the following (bringing the total to 16 standard named perils):<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Falling objects<\/li><li>Weight of ice, snow, or sleet<\/li><li>Freezing of household systems (HVAC)<\/li><li>Sudden and accidental tearing apart, cracking, burning, or bulging of pipes and other household systems<\/li><li>Accidental discharge or overflow of water or steam<\/li><li>Sudden and accidental damage from artificially generated electrical current<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">HO-3: Special Form<\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"ho-3\" > <\/span>\n    \n\n\n<p>HO\u20113 is the market\u2019s baseline homeowners policy and the most commonly sold form in the U.S., providing open\u2011perils coverage for the dwelling and other structures and typically named\u2011perils coverage for personal property unless you add an endorsement or upgrade to HO\u20115 (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.iii.org\/article\/basic-forms-of-homeowners-insurance\">Insurance Information Institute<\/a>). Because climate\u2011driven losses have raised volatility, many HO\u20113s now feature peril\u2011specific deductibles (e.g., wind\/hail or named\u2011storm) and tighter water\u2011damage terms unless endorsed (<a href=\"https:\/\/www.gallagherre.com\/insights-publications\/reports\/1st-view-january-2025\">Gallagher Re<\/a>; <a href=\"https:\/\/www.iii.org\/article\/water-damage-and-insurance\">III water damage<\/a>).<\/p>\n\n\n\n<p>Instead of listing covered perils, HO\u20113 covers \u201call risks\u201d except those expressly excluded. Core coverages include:<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Dwelling coverage<\/li><li>Other structures<\/li><li>Personal property<\/li><li>Loss of use<\/li><li>Personal liability<\/li><li>Medical payments to others<\/li><\/ul>\n\n\n\n<p>Common exclusions to verify (and consider endorsements for) include:<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li>War, government action, and nuclear hazard<\/li><li>Wear and tear<\/li><li>Earth movement (earthquake, landslide, mudslide)<\/li><li>Water damage&nbsp;<\/li><li>Flooding damages<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">HOB: Hybrid Policy <\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"hob\" > <\/span>\n    \n\n\n<p>\u201cHOB\u201d generally refers to the Texas HO\u2011B\u2013type form that historically paired open\u2011perils coverage for the structure with named\u2011perils for contents and often featured broader water\u2011damage protections than many HO\u20113s. Today, most Texas insurers no longer sell standardized HOB policies and instead use proprietary company forms or ISO\u2011based HO\u20113s with endorsements. Water coverage varies widely by insurer\u2014compare terms for leak\/seepage, access\/tear\u2011out, foundation\/slab damage from plumbing leaks, and sewer backup add\u2011ons (<a href=\"https:\/\/www.tdi.texas.gov\">Texas Department of Insurance<\/a>; <a href=\"https:\/\/www.opic.texas.gov\">Texas OPIC<\/a>; <a href=\"https:\/\/www.iii.org\/article\/water-damage-and-insurance\">III<\/a>).<\/p>\n\n\n\n<p>The 16 named perils commonly referenced for contents in these forms include:&nbsp;<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Fire or Smoke<\/li><li>Lightning<\/li><li>Accidental Discharge or Overflow of Water or Stream<\/li><li>Windstorm or Hail<\/li><li>Explosions<\/li><li>Riot or Civil Commotion<\/li><li>Vehicles<\/li><li>Aircraft<\/li><li>Theft<\/li><li>Vandalism or Malicious Mischief<\/li><li>Falling Objects<\/li><li>Weight of Ice, Snow, or Sleet<\/li><li>Volcanic Eruption<\/li><li>Accidental Tearing Apart, Bulging, Cracking or Burning<\/li><li>Freezing<\/li><li>Accidental Damages from Artificially Generated Electrical Power<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">HO-4: Contents Broad Form<\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"ho-4\" > <\/span>\n    \n\n\n<p>HO\u20114 is a tenant\u2019s policy\u2014commonly called <a href=\"https:\/\/www.reviews.com\/insurance\/renters\/best\/\">renters insurance<\/a>\u2014covering your belongings, personal liability, and loss of use (not the building). Nationally, renters insurance is relatively affordable at about $173 per year on average, though your price depends on limits, deductibles, and location (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a> summarizing NAIC data). Coverage is typically written on a named\u2011perils basis similar to HO\u20112\/HO\u20113 personal property perils; you can often upgrade contents from ACV to replacement cost by endorsement (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<p>Renter\u2019s insurance covers a mix of the named perils listed on the HO\u20112 and HO\u20113 form.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"> HO-5: Comprehensive Form <\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"ho-5\" > <\/span>\n    \n\n\n<p>HO\u20115 is an \u201copen\u2011perils\u201d form for both the structure and personal property, with broader default protections than HO\u20113. A key difference: HO\u20115 commonly includes replacement cost coverage for personal property without a separate add\u2011on, whereas HO\u20113 often defaults to actual cash value for contents unless you endorse it. Given tightening terms around water and catastrophe risks, confirm exclusions and any special deductibles or sublimits (e.g., wind\/hail, named\u2011storm, or water\u2011damage sublimits) in your market (<a href=\"https:\/\/www.iii.org\/article\/basic-forms-of-homeowners-insurance\">Insurance Information Institute<\/a>; <a href=\"https:\/\/www.gallagherre.com\/insights-publications\/reports\/1st-view-january-2025\">Gallagher Re<\/a>).<\/p>\n\n\n\n<p><strong>Typical exclusions for HO-3 and HO-5:<\/strong><\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Earth movement (earthquake, landslide, mudslide)<\/li><li>Floods<\/li><li>Water damage<\/li><li>Damage from or infestation of birds, vermin, rodents, and insects<\/li><li>Neglect, deterioration, and general wear-and-tear<\/li><li>Settling, shrinking, bulging, or expanding of the foundation<\/li><li>Pets and other animals<\/li><li>Mold, fungus, and rot<\/li><li>Intentional loss<\/li><li>War, government action, and nuclear hazard<\/li><li>Ordinance or law<\/li><li>Smog, rust, and corrosion<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">HO-6: Unit-Owners Form<\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"ho-6\" > <\/span>\n    \n\n\n<p>HO\u20116 (condo\/co\u2011op) policies insure your unit\u2019s interior (walls, floors, ceilings\/fixtures), your belongings, personal liability, loss of use, and typically include loss assessment coverage in case your association charges owners for certain covered losses to common areas. The needed \u201cbuilding property\u201d amount depends on your master policy (bare\u2011walls vs. walls\u2011in). Many HO\u20116 policies allow a replacement cost upgrade for contents via endorsement (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">HO-7: Mobile Home Form <\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"ho-7\" > <\/span>\n    \n\n\n<p>HO\u20117 adapts the HO\u20113 framework to manufactured\/mobile homes. Coverage can be tailored for primary, seasonal, or rental use. Because these homes can face elevated wind\/hail exposure in some regions, verify if your policy includes a separate wind\/hail or named\u2011storm deductible and consider endorsements like water backup, service line, and equipment breakdown where relevant (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.gallagherre.com\/insights-publications\/reports\/1st-view-january-2025\">Gallagher Re<\/a>).<\/p>\n\n\n\n<p>Mobile home form includes coverage for:<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Park model homes<\/li><li>Prefab homes<\/li><li>RVs<\/li><li>Sectional home<\/li><li>Modular homes<\/li><li>Trailers&nbsp;<\/li><li>Single- and double-wide mobile homes<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">HO-8: Modified Coverage Form <\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"ho-8\" > <\/span>\n    \n\n\n<p>HO\u20118 is designed for older or historic homes where replacement with original materials may be impractical. It\u2019s typically a named\u2011perils form and often settles the dwelling on functional replacement cost or actual cash value rather than full replacement cost. Owners of older\/historic homes should consider increasing Ordinance or Law coverage to address code\u2011required upgrades after a loss (<a href=\"https:\/\/content.naic.org\">NAIC consumer guide<\/a>; <a href=\"https:\/\/www.iii.org\/article\/what-are-the-different-types-of-homeowners-insurance\">Insurance Information Institute<\/a>).<\/p>\n\n\n\n<p>HO\u20118 policies typically list 10 named perils similar to basic forms (insurer\u2011specific), such as:<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Smoke<\/li><li>Lightning and fire<\/li><li>Hailstorms and windstorms<\/li><li>Volcanic eruptions<\/li><li>Explosions<\/li><li>Vehicles<\/li><li>Aircraft<\/li><li>Theft<\/li><li>Civil unrest and riots<\/li><li>Vandalism and malicious mischief<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">If you own your home\u2026<\/h2>\n\n\n\n<p>Most owners start with HO\u20113 and compare HO\u20115 for broader protection; HO\u20112 or HO\u20118 may fit specific cases (named\u2011perils or older homes). The latest market data show average homeowners premiums around $1,759 per year for a policy with $300,000 dwelling coverage, but prices vary widely by state and risk profile (<a href=\"https:\/\/www.policygenius.com\">Policygenius pricing analysis<\/a>). Climate\u2011driven volatility has contributed to tighter terms, more peril\u2011specific deductibles, and, in some areas, nonrenewals or movement into FAIR Plans\/residual markets. States are responding: California advanced rules to allow forward\u2011looking catastrophe modeling and to recognize reinsurance costs\u2014paired with mitigation discounts and commitments to write in higher\u2011risk zones\u2014aimed at restoring availability and reducing reliance on the FAIR Plan (<a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/200-catastrophes\/Sustainable-Insurance-Strategy\/\">California DOI<\/a>; <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>). Shop multiple quotes, confirm special deductibles (wind\/hail or named\u2011storm), and add separate flood\/earthquake where needed (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">If you own a condo\u2026<\/h2>\n\n\n\n<p>If you live in a condo or co\u2011op, HO\u20116 is the right form. Match your \u201cwalls\u2011in\u201d building coverage to your association\u2019s master policy and consider higher loss assessment limits for shared property claims. Note regulatory developments that can change required coverage: for example, Florida\u2019s state insurer of last resort (Citizens) is phasing in mandatory flood insurance for many personal residential policies as a condition of eligibility\u2014condo owners insured through Citizens should verify requirements and deadlines (<a href=\"https:\/\/www.citizensfla.com\">Citizens flood requirements<\/a>; <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&#038;URL=0600-0699\/0627\/Sections\/0627.351.html\">Florida Statutes \u00a7627.351(6)<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">If you rent\u2026<\/h2>\n\n\n\n<p>For renters, HO\u20114 covers your belongings and liability; the building is the landlord\u2019s responsibility. Average premiums are about $173 per year nationally, but your price depends on location, limits, and deductible choices (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a>). Consider upgrading personal property to replacement cost and adding endorsements like water backup, identity theft\/personal cyber, or home\u2011sharing coverage if you host guests (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.iii.org\/article\/cyber-insurance-for-individuals\">III: Personal cyber<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC: Home-sharing<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">If you live in a mobile or manufactured home\u2026<\/h2>\n\n\n\n<p>HO\u20117 policies fit mobile\/manufactured homes that aren\u2019t eligible for standard single\u2011family forms. Confirm whether your insurer uses a separate wind\/hail or named\u2011storm deductible and whether endorsements like water backup, service line, and equipment breakdown are available. In high\u2011risk areas, expect insurers to reward mitigation and apply granular, risk\u2011based pricing and terms (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.gallagherre.com\/insights-publications\/reports\/1st-view-january-2025\">Gallagher Re<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance Policies FAQ<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">What is the difference between an HO-5 vs HO-3 form?<\/h3>\n\n\n\n<p>Both HO\u20113 and HO\u20115 cover the dwelling on an open\u2011perils basis (subject to exclusions). The key difference is that HO\u20115 generally extends open\u2011perils and replacement cost to personal property by default, while HO\u20113 typically covers personal property for named perils and may default to actual cash value unless you add an endorsement. Given evolving risks, compare special deductibles (wind\/hail, named\u2011storm) and water\u2011damage terms when choosing between them (<a href=\"https:\/\/www.iii.org\/article\/basic-forms-of-homeowners-insurance\">Insurance Information Institute<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is the difference between an HO-3 vs HO-6 form?<\/h3>\n\n\n\n<p>HO\u20113 is for houses and covers the structure, contents, liability, and other property features on the premises. HO\u20116 is for condos\/co\u2011ops and insures your unit\u2019s interior (per your master policy\u2019s definition), your belongings, liability, and loss assessment. Many HO\u20116 policies allow you to add replacement cost for contents via endorsement; coordinate limits with your association\u2019s master policy to avoid gaps (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What home insurance endorsements or add-ons should I get with home insurance policy?<\/h3>\n\n\n\n<p>Match add\u2011ons to your top risks and building systems. Options seeing wider adoption include: <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-flood-insurance\/\">flood insurance<\/a> (homeowners policies exclude flood), <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/is-earthquake-insurance-worth-it\/\">earthquake insurance<\/a>, water backup\/sump overflow, <a href=\"https:\/\/www.nationwide.com\">service line<\/a> coverage for buried utilities, home systems\/equipment breakdown, identity theft and <a href=\"https:\/\/www.iii.org\/article\/cyber-insurance-for-individuals\">personal cyber<\/a>, host protections for <a href=\"https:\/\/content.naic.org\">home-sharing<\/a>, private <a href=\"https:\/\/www.chubb.com\">wildfire defense services<\/a> where available, and \u201c<a href=\"https:\/\/www.travelers.com\">green rebuild<\/a>\u201d upgrades. Insurers and regulators also emphasize mitigation credits and resilience add\u2011ons amid rising catastrophe losses (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis 2024 Home Trends<\/a>).<\/p>\n\n\n\n<p>Finally, <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/water-damage\/\">water backup of sewer protection<\/a> is a commonly excluded peril you can add for a modest cost, and it\u2019s especially relevant in older homes or those with basements. To see broader coverage gaps and solutions, review <a href=\"https:\/\/content.naic.org\">NAIC\u2019s homeowner guidance<\/a> and our guide to <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\">what does homeowners insurance covers<\/a>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What types of homeowners insurance coverages exist?<\/h3>\n\n\n\n<p>The following are coverage types of homeowners insurance policies:&nbsp;<\/p>\n\n\n\n<ul><li>Dwelling coverage protects the essential structure of your home floors, walls, windows, ceiling, and roof, as well as attached structures, like the garage.<\/li><li>Contents coverage protects your furniture and decor, plus your clothing, devices, collectibles, and jewelry. The items listed are typically covered at their actual cash value (ACV) but you can usually upgrade the protection to replacement cost for an extra fee.&nbsp;<\/li><li>Personal liability responds to various perils: medical expenses for injuries sustained by guests on your property, your property damaging someone else\u2019s property, and lawsuit. Personal liability is sometimes subdivided into personal liability and medical payments to others.&nbsp;<\/li><\/ul>\n\n\n\n<p>Take a look at these <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/faq\/\">homeowners insurance frequently asked questions<\/a> if you want to learn more about this industry.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finding home insurance that truly protects your home and belongings means navigating standardized policy \u201cforms\u201d and fast\u2011changing market conditions. Policy types like HO\u20113 (the most common homeowners form per NAIC) or HO\u20116 (for condos\/co\u2011ops) are matched to the kind of home you have and the coverages you need. In 2025, availability, pricing, and terms are [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":355147,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Types of Homeowners Insurance Policies - Reviews.com<\/title>\n<meta name=\"description\" content=\"A guide to Types of Homeowners Insurance Policies\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/types-of-policies\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Types of Homeowners Insurance Policies - Reviews.com\" \/>\n<meta property=\"og:description\" content=\"A guide to Types of Homeowners Insurance Policies\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/homeowners\/types-of-policies\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-11T17:46:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2019\/05\/GettyImages-175563667.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"960\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Reviews Staff\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Reviews\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Reviews Staff\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/types-of-policies\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Types of Homeowners Insurance Policies\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Types of Homeowners Insurance Policies - 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