Homeowner's Insurance Forms
Homeowner's Insurance Forms
Insuring the Property
- Elementary Insurance Primer
- Replacement Value
- Homeowner's Insurance Forms
- Other Insurance Issues
- Standard Policy Exclusions
- Getting an Appraisal
- Comparison Insurance Shopping
Homeowner's Insurance Forms
There are five types of homeowner's policies. Let's take a look at them.
HO-1: Provides only minimal basic protection. Due to its many restrictions on coverage, it is available in only a handful of states.
HO-2: Costs about 10% more than HO-1, but removes many of the restrictions imposed by an HO-1 policy.
HO-3: An all-risk policy. Costs about 25% more than HO-1, but covers everything not specifically excluded in the policy.
HO-6: Used if you are purchasing a condominium.
HO-8: Used for unique or historical structures.
NOTE: Certain states may use different HO designations.
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Deposit and Loan Products are offered to qualified customers by First National Bank. See specific deposit and loan product pages on this website for more detailed information. First National Bank is a MEMBER FDIC and an EQUAL HOUSING LENDER.
Investment and insurance products and services are offered through Osaic Institutions, INC. Member FINRA/SIPC. FNB Wealth Management Services is a trade name of First National Bank. Osaic Institutions,Inc and the bank are not affiliated. Products and services made available through Osaic Institutions, Inc. are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.
NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. MAY GO DOWN IN VALUE.
