{"id":630,"date":"2023-10-19T04:00:00","date_gmt":"2023-10-19T10:00:00","guid":{"rendered":"https:\/\/www.insuregv.com\/blog\/?p=630"},"modified":"2023-10-19T15:22:40","modified_gmt":"2023-10-19T21:22:40","slug":"how-many-perils-do-you-need-home-insurance-to-cover","status":"publish","type":"post","link":"https:\/\/www.insuregv.com\/blog\/how-many-perils-do-you-need-home-insurance-to-cover\/","title":{"rendered":"How many perils do you need home insurance to cover?"},"content":{"rendered":"<p>Home insurance offers 10, 15, or all-perils coverage. Homeowners have three choices in levels of coverage from their Green Valley, AZ home insurance &ndash; HO-1, HO-2, or HO-3. Which does your Arizona home need?<\/p>\n<p>At the Insurance Center of Green Valley, we recommend the full coverage that an HO-3 provides. Read on to find out why.<\/p>\n<h2><strong>About Named Peril Policies<\/strong><\/h2>\n<p>HO-1 and HO-2 policies provide named peril protection. That means if the policy specifically names an event as something it covers, then the policy pays out if it happens and you file a claim.<\/p>\n<p>An HO-1 policy protects ten perils:<\/p>\n<ul>\n<li>Aircraft damage<\/li>\n<li>Fire, smoke, explosion<\/li>\n<li>Lightning<\/li>\n<li>Riots and civil commotion<\/li>\n<li>Theft<\/li>\n<li>Vandalism and malicious mischief<\/li>\n<li>Vehicle-caused damage<\/li>\n<li>Volcanic eruptions<\/li>\n<li>Windstorm<\/li>\n<li>Hail.<\/li>\n<\/ul>\n<p>It provides no liability coverage or personal property coverage.<\/p>\n<p>An HO-2 policy covers 16 perils &ndash; the 10 in an HO-1, plus the following six:<\/p>\n<ul>\n<li>Falling objects<\/li>\n<li>Weight of snow, sleet, and\/or ice<\/li>\n<li>Flood or accidental discharge caused by HVAC or appliances<\/li>\n<li>Accidental damage to HVAC or water heaters<\/li>\n<li>Freezing of water lines of any household system<\/li>\n<li>Power surge damage.<\/li>\n<\/ul>\n<p>HO-2 policies also typically include liability and personal property.<\/p>\n<h2><strong>HO-3: The All-Perils Policy<\/strong><\/h2>\n<p>An HO-3 policy covers all perils, even things that no one invented yet. Unlike named peril policies, no matter what happens to a home covered by an HO-3 policy, the policy covers it. It includes coverage for liability and personal property; some policies provide for loss of use.<\/p>\n<h2><strong>Choosing All-Perils Coverage<\/strong><\/h2>\n<p>At the Insurance Center of Green Valley, we recommend that Green Valley, AZ, homeowners choose HO-3 coverage to protect their homes best. If you have a mortgage, HO-1 coverage won&rsquo;t meet the criteria for homeowner&rsquo;s insurance. Why not enjoy the full protection provided by an HO-3 policy? Contact our office today to start your home policy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home insurance offers 10, 15, or all-perils coverage. Homeowners have three choices in levels of coverage from their Green Valley, AZ home insurance &ndash; HO-1, HO-2, or HO-3. Which does your Arizona home need? At the Insurance Center of Green Valley, we recommend the full coverage that an HO-3 provides. Read on to find out [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[244,115],"class_list":["post-630","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-green-valley-az","tag-insurance-center-of-green-valley"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Home insurance offers 10, 15, or all-perils coverage. Homeowners have three choices in levels of coverage from their Green Valley, AZ home insurance \u2013 HO-1, HO-2, or HO-3. Which does your Arizona home need? At the Insurance Center of Green Valley, we recommend the full coverage that an HO-3 provides. 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