Homeowners insurance protects home owners from unforeseen losses to a house they own and live in. Such as fire, vandalism, wind and hail, smoke, theft, etc. In Texas, homeowners coverage may be provided on an HO3, HOB, or HOA form.
Condo insurance is a type of home insurance product meant to protect “walls in” on a condominium. The form typically used to insure a condo is an HO6 form.
Renters insurance in meant to protect tenants from losses sustained to their belongings.
Duplex insurance can be provided in 2 different ways. If you live on one side and rent out the other, it could be written as a “homeowners insurance” policy. If both sides are leased to tenants, then it must be written as a landlord policy.
Investment property insurance can be written under different policy forms which may be drastically different in the quality of coverage you purchase; DP1 and DP3
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Renters insurance in meant to protect tenants from losses sustained to their belongings. Learn more about renters insurance here.