Personal home insurance (HO) protects homeowners' property and liability. The most common types are HO-2 and HO-3, with HO-3 offering broader coverage.

This type is designed for condo owners, protecting personal property and liability. Coverage extends to the unit's walls, floors, and ceilings.

This insurance is mainly for tenants, protecting personal property and liability, but it does not cover the building itself.

This is the most common home insurance. It covers basic and expanded risks, excluding war, flood, earthquake, and nuclear explosion.

4o mini​​

Coverage for properties under construction or renovation, protecting building materials and construction risks.

Specifically covers losses from flooding, usually provided by federal or private insurance.