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Homeowner's Insurance Cheat Sheet by

Covers all coverages, typical limits and exclusions for HO policies.

Limits of Liability

 
HO-2
HO-3
HO-4
HO-5
HO-6
HO-8
A
Primary
Primary
N/A
Primary
$1000
Primary
B
1-2 families: 10% | 3-4 families 5%
1-2 families: 10% | 3-4 families 5%
N/A
1-2 families: 10% | 3-4 families 5%
N/A
1-2 families: 10% | 3-4 families 5%
C*
2:50% 3:30% 4:25%
2:50% 3:30% 4:25%
Primary
2:50% 3:30% 4:25%
Primary
2:50% 3:30% 4:25%
D
30% of A
30% of A
30% of C
30% of A
50% of C
10% of A
E
$100k
$100k
$100k
$100k
$100k
$100k
F**
$1k
$1k
$1k
$1k
$1k
$1k
* format n1;n2 where n1 is max # of families and n2 is coverage as a percentage of A
**per person/per occurrence

Perils

Peril
HO-2
HO-3
HO-4
HO-5
HO-6
HO-8
Fire
✔
✔*
✔
Open Peril
✔
✔
Lightning
✔
✔*
✔
  
✔
✔
Wind/Hail
✔
✔*
✔
  
✔
✔
Explosion
✔
✔*
✔
  
✔
✔
Riot
✔
✔*
✔
  
✔
✔
Aircraft
✔
✔*
✔
  
✔
✔
Vehicles
✔
✔*
✔
  
✔
✔¹
Smoke
✔
✔*
✔
  
✔
✔²
Vandalism
✔
✔*
✔
  
✔
✔
Theft
✔
✔*
✔
  
✔
✔
Volcano
✔
✔*
✔
  
✔
✔
Falling Objects
✔
✔*
✔
  
✔
Weight of Ice/Sn­ow/­Sleet
✔
✔*
✔
  
✔
Water/­Steam Discharge
✔
✔*
✔
  
✔³
Accidental Rupture
✔
✔*
✔
  
✔
Freezing of Plumbing
✔
✔*
✔
  
✔
Artificial Current
✔
✔*
✔
  
✔
*Only Section II coverages are named, section I coverages are open peril.
¹ Excludes fences, driveways and walkways
² Excludes fireplace smoke
³Includes costs to tear out and replace area of the building to repair system
  
 

Coverage C Special Limits

Coverage
Property
$200
Money, coins, precious metal (not tableware)
$1,500
Securi­ties, manusc­ripts, valuable paper property*
$1,500
Watercraft and their trailers
$1,500
Electr­onics used in Auto
$1,500
Electr­onics used for business
$1,500
Trailers or for watercraft
$500
Property used for business on premises
$2,500
Property for business off premises
*including research, restore or replac­ement costs

Special Limits for Theft

Coverage
Property
$1,500
Jewelry, watches, furs, precious stones
$2,500
Silver, gold, or pewter tableware
$2,500
Firearms
           
 

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  • Published: 12th October, 2022

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