Did you know most homeowners have either HO- or HO- insurance These policies are the most common in the U S They protect homes personal items and liability Knowing the differences can help you pick the right policy for your budget and needs Types of Homeowners Insurance Policies to Know Buying homeowners insurance is crucial to protect your home and family There are eight main types of policies They cover your home belongings liability and extra living costs HO- is common and offers wide coverage HO- is for those with high-value homes and items Key Takeaways Homeowners insurance is essential for protecting your home and belongings The most common homeowners insurance policies are HO- and HO- HO- provides broad coverage while HO- offers comprehensive protection for high-value properties Understanding the different policy types can help you choose the best coverage for your needs Homeowners should review their policy details to ensure they have the right level of protection Introduction to Homeowners Insurance Policies It's vital to protect your home and assets with the right homeowners insurance Homeowners insurance helps cover damage theft and liability This way you avoid big expenses There are many policy types each offering different levels of coverage for your home personal property and living expenses if your home is not livable Knowing the differences between policy types helps you choose the best one for your needs and budget Importance of Protecting Your Home https youtu be QW- cSjqew feature shared Your home is probably your biggest... Login to read full