Different Types of Policies

Yes. A person who owns his or her home would have a different policy from someone who rents. Policies also differ on the amount of insurance coverage provided.

The different types of homeowners policies are fairly standard throughout the country. However, individual states and companies may offer policies that are slightly different or go by other names such as “standard” or “deluxe”.

Here is a link for a chart that lists the disasters covered in each of the following types of policies:

Types of Policies

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Source: Insurance Information Institute. www.iii.org