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Standard Policies Available In Most States*

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———  Please Print For Your Convenience  ———
Standard Policies Available In Most States*
Peril HO-2 Special HO-3 HO-5 HO-6 HO-8
  Dwelling And Contents Dwelling Contents Dwelling And Contents Dwelling And Contents(Condo/co-op owners) Dwelling And Contents
Fire or lightning
X X X X X X
Windstorm or hail
X X X X X X
Explosion
X X X X X X
Riot or civil commotion
X X X X X X
Damage caused by aircraft
X X X X X X
Damage caused by vehicles
X X X X X X
Smoke
X X X X X X
Vandalism or malicious mischief
X X X X X X
Theft
X X X X X X
Volcanic eruption
X X X X X X
Falling object
X X X X X  
Weight of ice, snow or sleet
X X X X X  
Accidental discharge or overflow of water or from within a plumbing, heating, air conditioning or automatic fire-protective sprinkler system, or from a household appliance
X X X X X  
Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system
X X X X X  
Freezing of a plumbing, heating, air conditioning or automatic fire-protective sprinkler system, or of a household appliance
X X X X X  
Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic component)
X X X X X  
All perils except flood, earthquake, war, nuclear accident, landslide, mudslide, sinkhole and others specified in your policy
  X   X    

* These are examples of standard coverage offered throughout the United States.
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Updated Wednesday, April 02, 2008
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