HO-2: Broad Home Insurance
The Broad homeowners insurance policy covers damages to the
main structure and personal property against the 11 types of disasters
covered by HO-1 plus six more: falling objects; weight of ice, snow
or sleet; pluming related problems; heating and air conditioning malfunctions;
damages resulting from freezing of household appliances and systems;
surges or short circuits in electricity (TV or radio tubes are not covered).
Personal liability is also covered.
HO-2 is slightly more expensive than the Basic form. It’s popular
in areas with lower temperatures and frequent snow. There is a version
of the Broad insurance form designed for mobile homes.
| 
