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HOMEOWNERS, CONDO, AND RENTER'S INSURANCE

HO-1 Homeowners Insurance

  • Dwelling (Basic Coverage)

  • Personal Property (Basic Coverage)

  • Other Structures (Basic Coverage)

  • Personal Liability

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HO-3 Homeowners Insurance

  • Dwelling (Special Coverage)

  • Personal Property (Broad Coverage)

  • Other Structures (Special Coverage)

  • Personal Liability

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HO-5 Homeowners Insurance

  • Dwelling (Special Coverage)

  • Personal Property (Special Coverage)

  • Other Structures (Special Coverage)

  • Personal Liability

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HO-2 Homeowners Insurance

  • Dwelling (Broad Coverage)

  • Personal Property (Broad Coverage)

  • Other Structures (Broad Coverage)

  • Personal Liability

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HO-4 Renters Insurance

  • ​Personal Property (Special or Broad Coverage)

  • Loss of Use

  • Personal Liability

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HO-6 Condominium Insurance

  • Dwelling "Walls-In" (Special Coverage)

  • Personal Property (Broad or Special Coverage)

  • Personal Liability

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Interested in a homeowners insurance quote?

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Homeowners

Condominiums

Vacant Homes

Mobile Homeowners

Vacation Homes

Lake Homes

Renters Insurance

Rental Properties

Personal Liability

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COVERAGE DEFINITIONS

Basic Perils

  • Wind & Hail

  • Riot & Civil Commotion

  • Explosion

  • Lightning

  • Fire

  • Vehicles & Aircrafts

  • Vandalism

  • Volcanic Action

  • Smoke

  • Sprinkler Leakage

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Broad Perils

  • Wind & Hail

  • Riot & Civil Commotion

  • Explosion

  • Lightning

  • Fire

  • Vehicles & Aircrafts

  • Vandalism

  • Volcanic Action

  • Smoke

  • Sprinkler Leakage

  • Sinkhole Collapse

  • Weight of Ice & Snow

  • Water

  • Falling Objects

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Special Perils

  • Covers all types of property losses except what is specifically excluded under a homeowners policy. (Please refer to policy forms)

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Personal Liability

  • In most cases, personal liability will be part of a homeowners, renter's, or condominium insurance policy. Personal liability covers the named insured or for law suits, bodily injury caused by negligence, injuries of guests on premises, and damage to property of others. Personal Liability is a broad coverage, therefore, contact your agent at Jacob Insurance Service for additional information.

For More Details on Homeowners Insurance Coverage, Please contact a Jacob Insurance Service Agent at

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260.665.3194

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