For homeowners who want basic protection, an H03 policy will suffice. But for homeowners looking for the most protection and the highest coverage limits, a premium H05 policy is the best bet.
With most home insurance, such as an H03 policy, you are required to prove that your personal property claim happened due to one of the named perils (insurance-speak for specific dangers) listed on your policy. However, with a premium policy, such as an H05, the onus is on the insurance company. The only way you won't get reimbursed for personal property damages is if the peril is specifically exempted from your policy.
The most common sort of homeowners insurance, an HO3 policy, regards all risk to the actual building structure of your home, meaning you'd be insured for any peril that could happen to the outside of your home.
Peril, in terms of insurance coverage, is defined as something that could destroy or cause damage to your property. A burst pipe, fire, hurricanes, or tornadoes are all perils.
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