9 Types of Home Insurance Policies

July 13, 2025

Home insurance policies vary by type, labeled HO-1 to HO-14, tailored to different housing situations. HO-3 is the most common, offering open peril coverage for the home but named perils for belongings. HO-5 provides broader open peril coverage for both home and belongings. Renters use HO-4, condos HO-6, and mobile homes HO-7. Coverage typically includes dwelling, personal property, liability, and additional living expenses.

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Joseph W Duerr

+1-772-678-8705

"Protect what matters most"

Stuart, Florida

I do more than just sell insurance policies — I work to become a trusted advisor who genuinely understands your personal situation, goals, and concerns. Every client’s needs are different, which is why I take the time to explain coverages in simple, easy-to-understand terms so you can make informed decisions with confidence. My focus is not just on finding the lowest price, but on making sure you have the right protection in place when it matters most. I believe insurance should be personal, not transactional. That means being available to answer questions, reviewing your policies regularly, helping you identify coverage gaps, and standing by your side if you ever need to file a claim. I believe in building long-term relationships based on honesty, communication, and trust. You are never just a policy number to me — my goal is to provide guidance, education, and peace of mind so you feel protected today and prepared for the future.

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