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There are eight different types of standard homeowners insurance policies that you might encounter as you shop for insurance. They are numbered 1-8, and each offers different types and levels of protection. These are: HO-1: Basic Form.
The 80% rule dictates that homeowners must have replacement cost coverage worth at least 80% of their homes total replacement cost to receive full coverage from their insurance company.
From the Claim Center, click File a Claim. 6. Scroll down to the Supporting Documentation section and drag your supporting documents into the Secure File Upload box, or click in the box to browse your computer for your documents.
The HO-3, also known as a special form, is the most common homeowners insurance policy form, says the National Association of Insurance Commissioners. An HO-3 offers open peril coverage for the structure of your home.
Registration is not required for your plan to be active. However, your receipt is required to file a claim and registering it now can save you time if you do need to file a claim in the future.
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HO-3 policies typically provide coverage for a specific list of named perils, meaning only those risks listed in the policy are covered. In contrast, HO-5 policies often offer broader coverage by protecting against all perils unless explicitly excluded.

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