HO2 homeowners insurance is commonly called the "broad form policy". The HO2 homeowners insurance policy provides coverage that are caused by the list of conditions:
- falling objects; includes damage from the weight of ice and snow
- damage from water from your home's plumbing
- fire
- smoke
- electrical damage to appliances
- theft/burglary
- vandalism
- volcanic eruption
- water heater and heating system ruptures
- windstorm
- riot/civil commotion
HO2 insurance will also cover bodily liability, personal liability, medical liability and legal costs in defending liability court cases, if your home is damaged, legal defense in liability cases, and personal property both at home and while traveling.
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