At Reinas Insurance Agency Inc., we understand the importance of home insurance for your Pasadena, CA, home. Did you know that depending on your homeowners’ insurance’s HO level, your policy may cover 10, 15, or all perils? This blog explains how to determine which HO level your policy is and how to upgrade it if you need more coverage.
What is an HO level?
Home insurance offers eight levels of coverage for different housing types. Single-family home insurance offers choices about the number of perils covered. The "HO" stands for homeowner.
Single-family HO Levels
When buying homeowner’s coverage for a single-family house, you can choose from the following options:
HO-1: Basic homeowner’s coverage that protects against financial loss from the 10 named perils in the policy.
HO-2: Named peril protection, covering 15 common perils.
HO-3: Covers all perils except those specifically excluded in the policy documents.
HO-5: All-perils coverage provides the broadest protection available and covers personal property.
HO-8: Named peril coverage for historical homes and architecturally significant homes that provide the same protection as HO-1.
Check Your Home Policy Documents
Your homeowners’ policy documents tell you how many perils it covers. Read them closely to determine whether you bought HO-1, -2, -3, -5, or -8 coverage. If you find out that your home insurance covers 10 things that could go wrong, but you want it to cover everything, we can help.
Contact Your Insurance Agent for a Review
Don’t let your Pasadena, CA, home go unprotected or underprotected. Call or email Reinas Insurance Agency Inc. today for an insurance review and update your home policy, if needed.
