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Homeowners Insurance
Your home is one of the most important investments that you will make. The best way to enjoy your home and worry less is to know that you have the broadest coverage. The typical homeowner’s policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage for the insured. Usually, homeowners insurance is required by the lender to obtain a mortgage.
There are three types of Home Insurance; they are the HO-3 that is occupied by the owner or seasonal home in which you own the home. The second is HO-4, also known as renters insurance. This is for coverage on your contents and liability, but does not insure the dwelling (building). The third is a HO-6 policy that is for the condo/townhouse type owners.
