The HO3 (Home Insurance Policy) is a broad form and most common home insurance policy sold in the United States. It provides excellent coverage options for your home, personal property and liability protection.

The HO6 (Condominium Owner’s Insurance Policy) is the most common type of policy used to insure townhomes and condominium units in the United States. It provides excellent coverage options for the interior walls of your condo or townhouse, personal property and liability protection.

The HO4 (Renter Insurance Policy) insurance policy is most commonly referred to as renters insurance. Whether you rent a home, condominium, townhouse or rental apartment the HO4 policy form provides excellent coverage options for your personal property and liability protection.

The DP3 insurance policy is one of three insurance policies that are most commonly used for rental properties in the United States. The DP3 is popular because it is an Open Peril policy and a far more comprehensive policy than a DP1 or DP2.

One of the most important components of a homeowner, condo owner or renters insurance policy is the personal liability coverage. This coverage provides protection for accidents you are liable for that occur inside or outside your home and result in bodily injury or property damage to others.

Flood insurance covers your home, other dwellings, interior and exterior walls, roofs, furniture, clothes and appliances that are directly damaged by rising water, mold and mudslides. Flood coverage is not a covered peril under a homeowner policy and has to be purchased separately under a Flood Insurance Policy or added to your homeowners policy by endorsement if available.