00 02 05 11 2025

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The document outlines the Homeowners 2 – Broad Form insurance policy, detailing the coverage provided for property and liability. It defines key terms such as 'insured', 'occurrence', and various types of liabilities including motor vehicle, watercraft, and aircraft liabilities. The policy specifies coverage for dwelling, other structures, personal property, loss of use, and additional coverages like debris removal and fire department service charges. It also lists exclusions from coverage, conditions for claims, and responsibilities of the insured in case of a loss.

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Does broad form cover theft?

Broad form personal theft insurance covers the theft or loss of personal assets. It can be placed on all personal property and is on an all-risk basis, meaning no matter whether the loss is from vandalism, theft, or loss, the same coverage will apply.

What is a Form 2 homeowners policy?

The Homeowners Policy Broad Form 2 (HO 2) is part of the Insurance Services Office, Inc. (ISO), homeowners forms portfolio. The HO 2 insures the described dwelling, private structures in connection with the dwelling, unscheduled personal property on and away from the premises, and loss of use.

What is the HO 00 05 policy?

The HO-5Comprehensive Form (HO 00 05), known as the HO-5, provides open perils coverage on dwellings, other structures, and personal property. The HO-5 is designed to meet the risk management needs of owner-occupants of dwellings who would like the broadest coverage available among ISOs forms for their property.

What is the difference between an HO3 and HO5 homeowners policy?

Replacement cost vs actual cost value Most (though not all) HO-3 policies pay out the actual cost value of personal property, while HO-5 policies are replacement cost policies, meaning they reimburse homeowners for the cost of replacing damaged or lost property at current market value.

What is the HO 05 policy form?

The Homeowners Policy Comprehensive Form 5 (HO 5) is part of the Insurance Services Office, Inc. (ISO), homeowners forms portfolio. The HO 5 form insures the described owner-occupied dwelling, other structures in connection with the dwelling, unscheduled personal property on and away from the premises, and loss of use.

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What is Section 2 of the homeowners insurance policy?

Section II traditionally covers bodily injury and property damage but not other personal injury claims, as you might assume. For example, your homeowners policy wont cover claims for libel or slander. However, you might be able to add a personal injury endorsement that would.

Which of the following perils will an HO-5 policy cover?

Common covered perils include fire, theft, vandalism, and certain types of water damage. In contrast, the HO5 policy offers open-perils coverage for personal property, meaning it covers all risks except those specifically excluded from the policy.

00 02 05 11 2025

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