Albrightsville Homeowners Insurance
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What are the types of policies I should familiarize with before purchasing my Albrightsville homeowners insurance?
Before 1971, home owners were having a hard time purchasing Albrightsville home insurance. But it’s not because there was a shortage of reputable Albrightsville home insurance companies. On the contrary, Albrightsville homeowner’s insurance policies were readily available back then. The problem was that there was no hint of standardization involved. As a result, home owners were getting lost and confused with their home insurance in Albrightsville. They either had to buy several Albrightsville home insurance or settle for a “complete” policy that hardly covers their needs.
Thankfully, the Insurance Service Office, ISO, was formed. They simplified homeowners insurance policies and came up with standards. Today, there are eight types of policies all PA home insurance companies comply with:
Basic Form Homeowner Policy (HO1)
The HO1 policy is the most basic of all Albrightsville home insurance. It covers eleven perils: fire or lightning, windstorm or hail, vandalism or malicious mischief, theft, damage from vehicles and aircraft, explosion riot or civil commotion, glass breakage, smoke, volcanic eruption, and personal liability.
Broad Form Homeowner Policy (HO2)
Aside from the eleven perils listed above, the HO2 Albrightsville HO2 policy includes six more. The extra six perils are determined by you and your Albrightsville homeowners insurance company.
Special Form Homeowner Policy (HO3)
The HO3 home insurance policy in Albrightsville is popular among single-family homes. It provides “all risk” coverage but it usually excludes earthquake and flood.
Renter's Insurance (HO4)
As the name suggest, this is for renters. This Albrightsville home insurance policy includes the coverage provided by HO2 and HO3.
Premier Homeowner Policy (HO5)
Basically, HO5 is HO3 plus more. The extras coverage of this Albrightsville home insurance is dependent on the home owner and the company.
Condominium Policy (HO6)
HO6 is for home owners who live in condominiums.
Older Houses (HO8)
HO8 is used to insure older homes at market value or replacement cost.
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Protection is meaningless after the accident. And think of it. We are all one mishap away from devastating personal and financial loss.
At Capria Insurance Agency we have protected the residents and business of Albrightsville since 1999. We know the area. We know the residents. We know how to protect you with the right homeowners insurance. We also serve Effort home insurance, Stroudsburg home insurance, and Philadelphia Home Insurance.
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