Home About Products Agents FAQs Claims Home Insurance Home › Products › Home Insurance Homeowners Policy The Homeowners (HO3) policy is referred to as an all perils policy, covering your home and personal property from perils such as fire, lightning, theft and wind. It also includes coverage for your personal property and other structures associated with your home, as well as temporary provisions when your home is not livable. Personal liability and medical payments to others are also included. Ask your insurance representative about any other optional coverages you may want. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss. Condominium Unit Owners Policy The Homeowners (HO6) policy is specifically designed for condominium unit owners. The HO6 policy covers your contents and permanently attached building items inside your unit. It also includes loss of use until it can be reasonably repaired if you cannot live in the unit due to the damage. Personal liability and medical payments to others are also included as is some coverage for loss assessment by the condominium association. Ask your insurance representative about other optional coverages you may require, such as scheduled jewelry or coverage for rental condominiums. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss. Dwelling Fire Policy The Dwelling (DP3) policy is designed for seasonal, secondary or rental properties. It covers up to four family units. Because there is likely less need for extensive coverage for items like personal property as with a Homeowners policy, the format allows you to save money by letting you only purchase the coverages you need. Consult your insurance representative about additional coverages for attached structures, personal property, and loss of rents until reasonably repaired. Please ask your insurance representative about other optional coverages you may require. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss. Manufactured Homeowners Policy The manufactured homeowners policy is referred to as a comprehensive policy, covering your manufactured home and personal property from such risks as fire, lightning, vandalism, water damage, theft and wind. It also includes personal property, limited other structures, and loss of use until it can be reasonably repaired if you can’t live in the manufactured home. Personal liability and medical payments to others are also included. Ask your insurance representative about other optional coverages you may want. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss. Additional Coverages and Discounts Homeowners Condo Renter’s Dwelling Fire * All Additional and Optional Coverages are subject to policy limits in the policy or the limits purchased. Additional Coverages*: Debris Removal Other Structures Add’l Living Expense Additional Coverages*: Improvements & Betterments Loss Assessment Add’l Living Expense Additional Coverages*: Add’l Living Expense Loss Assessment Additions & Alterations Additional Coverages*: Debris Removal Fair Rental Value Additional Living Expense Optional Coverages*: Scheduled Personal Property Optional Coverages*: Water & Sewer Backup Optional Coverages*: Water & Sewer Backup Optional Coverages*: Personal Liability Other Coverages: ID Recovery Personal Injury Water & Sewer Backup Other Coverages: ID Recovery Personal Injury Other Coverages: ID Recovery Personal Injury Other Coverages: Personal Injury Theft Coverage Discounts: Multi-Tier Rating New Home Security Systems Hurricane Protective System Superior Construction Premises Alarms Discounts: Multi-Tier Rating New Construction Smoke Detectors Premises Alarms Superior Construction Discounts: Multi-Tier Rating Smoke Detectors Premises Alarms Discounts: Age of Home Multi-Policies Mature Homeowner Superior Construction Premises Alarms Policies offered may vary by state Get a Quote Today! Find an Agent near you to get a free custom quote. Copyright © 2015 Ocean Harbor Casualty Insurance Co. All Rights Reserved. Employment | Privacy Policy | Agent Portal Custom WordPress website design by Oasis Interactive RSS