Forms & Perils Covered

Coverage HO 0001 Homeowner (not available in IA) HO 0002 Homeowner HO 0003 Homeowner Standard HO 0003 Homeowner Preferred
A - Dwelling Named Peril* Named Peril** All risks of direct physical loss with certain exceptions All risks of direct physical loss with certain exceptions
B - Other Structures Named Peril* Named Peril** All risks of direct physical loss with certain exceptions All risks of direct physical loss with certain exceptions
C - Personal Property Named Peril* Named Peril** Named Peril (same as HO 0002) Named Peril (same as HO 0002)
D - Additional Living Costs & Loss of Rent Named Peril* Named Peril** All risks of direct physical loss with certain exceptions All risks of direct physical loss with certain exceptions
Coverage HO 0005 Homeowner HO 0006 Unit Owner Standard HO 0006 Unit Owner Preferred HO 0004 Renter
A - Dwelling All risks of direct physical loss with certain exceptions All risks of direct physical loss with certain exceptions All risks of direct physical loss with certain exceptions No Coverage
B - Other Structures All risks of direct physical loss with certain exceptions No Coverage No Coverage No Coverage
C - Personal Property All risks of direct physical loss with certain exceptions Named Peril
(same as HO 0002)		 All risks of direct physical loss with certain exceptions Named Peril
(same as HO 0002)
D - Additional Living Costs & Loss of Rent All risks of direct physical loss with certain exceptions Named Peril
(same as HO 0002)		 Named Peril
(same as HO 0002)		 Named Peril
(same as HO 0002)
7/1/2016

* HO 0001 Perils Covered: Fire or Lightning; Windstorm or Hail; Explosion, Riot, or Civil Commotion; Aircraft; Vehicles; Smoke; Sinkhole Collapse; Volcanic Eruption; Vandalism or Malicious Mischief; Theft

** HO 0002 Perils Covered: All perils covered by HO 0001 and Falling Objects; Weight of Ice, Snow, or Sleet; Sudden and Accidental Tearing Apart; Burning or Bulging; Accidental Discharge Of Water or Steam; Freezing; Sudden And Accidental Damage From Artificially Generated Electrical Currents