Your home is a sacred place. It is your comfort zone and so you would like it to be there forever. However, there are some things that might damage your home. Things like floods, fire and even burglary have destroyed so many homes already. This is why it is important that you get insurance for your home in PA. This will ensure that no matter what happens to your house, you can always have it back. There are very many different types of home insurance policy covers in the state of PA. The different types of pennsylvania homeowners insurance range from HO1 to HO8 but there is no HO7.
HO1 is a cover that only covers house hold items. It is therefore mainly concerned with burglary since the thieves are more likely to steal these kinds of items. It can also cover the home from explosions and animals. This is the most basic kind of insurance and is also very affordable.
HO2 on the other hand is for particular parts of the house. This means that you can insure your living room, or your bedroom or any other part of the house. It will also insure you against ice slides and landslides. It is therefore very useful for people who live in areas that are prone to such disasters.
HO3 is the policy that will cover the whole house. It will cover the contents of the house and the structure of the house itself. It will also take care of all the expenses if any outsider is injured in the premises. It also covers against things like war and earthquakes.
If you live in a rented apartment, it will suit you to get the HO4 cover. It is important due to the fact that it covers the house from everything. It not only covers the house but also the items you have in the house. You will therefore save more if you get it as a tenant. HO5 is typically the same as HO3.
HO6 is the cover designed for condo owners. It will insure the condo and its premises. The last cover is HO8 which is the cover for old homes.
As you can see, there are very many different types of home insurance covers. Therefore, there is no need for anyone to lack a homeowner’s insurance. Even if you do not own the home, there is the cover that caters for tenants. These covers will not only keep you and your home safe but also your visitors.