Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
Homeowners insurance often called hazard insurance has three (3) policy form types known as Basic, Broad and Special.
Basic form will cover
Fire
Lightning
Internal Explosion
Windstorm or Hail
Explosion
Smoke
Aircraft or Vehicle
Riot or Civil commotion
Volcanic eruption
Vandalism
Broad form will cover all the above and add:
Burglary damage
Falling Objects
Weight of Ice and Snow
Water Damage by pipes bursting (pipe itself is not covered for this peril)
Discharge, overflow steam
Freezing of plumbing
Artificially generated electricity
Special form covers everything except that is not specifically excluded:
Below or the most common exclusions
Ordinance or Law
Earthquake
Flood
Power failure
Neglect
War
Nuclear hazard
intentional act
Insects or Vermin
Special form has two type of form known as HO3 and HO5 in which you can increase or add specifically limited coverage's such as jewelry. Talk to your local agent so he can access your specific needs for homeowners insurance. Your home is one of your most important assists and needs to be properly protected.
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Basic form will cover
Fire
Lightning
Internal Explosion
Windstorm or Hail
Explosion
Smoke
Aircraft or Vehicle
Riot or Civil commotion
Volcanic eruption
Vandalism
Broad form will cover all the above and add:
Burglary damage
Falling Objects
Weight of Ice and Snow
Water Damage by pipes bursting (pipe itself is not covered for this peril)
Discharge, overflow steam
Freezing of plumbing
Artificially generated electricity
Special form covers everything except that is not specifically excluded:
Below or the most common exclusions
Ordinance or Law
Earthquake
Flood
Power failure
Neglect
War
Nuclear hazard
intentional act
Insects or Vermin
Special form has two type of form known as HO3 and HO5 in which you can increase or add specifically limited coverage's such as jewelry. Talk to your local agent so he can access your specific needs for homeowners insurance. Your home is one of your most important assists and needs to be properly protected.