| Dwelling & personal property | Dwelling | Personal property | Dwelling & personal property | ||||
|---|---|---|---|---|---|---|---|
| Perils | Basic HO-1*+ | Broad HO-2* | Special HO-3* | Special HO-3 | Renters HO-4 | Condo/Co-op HO-6 | Modified Coverage HO-8 |
| 1. Fire or lightning | x | x | x | x | x | x | x |
| 2. Windstorm or hail | x | x | x | x | x | x | x |
| 3. Explosion | x | x | x | x | x | x | x |
| 4. Riot or civil commotion | x | x | x | x | x | x | x |
| 5. Damage caused by aircraft | x | x | x | x | x | x | x |
| 6. Damage caused by vehicles | x | x | x | x | x | x | x |
| 7. Smoke | x | x | x | x | x | x | x |
| 8. Vandalism or malicious mischief | x | x | x | x | x | x | x |
| 9. Theft | x | x | x | x | x | x | x |
| 10. Volcanic eruption | x | x | x | x | x | x | x |
| 11. Falling object | x | x | x | x | x | ||
| 12. Weight of ice, snow or sleet | x | x | x | x | x | ||
| 13. Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance. | x | x | x | x | x | ||
| 14. Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system. | x | x | x | x | x | ||
| 15. Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance. | x | x | x | x | x | ||
| 16. Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic component) | x | x | x | x | x | ||
| 17. All perils except flood, earthquake, war, nuclear accident, landslide, mudslide, sinkhole and others specified in your policy. Check your policy for a complete list of perils excluded. | x | ||||||
