业主保险(家庭保险)Home Insurance Policies


业主保险是为扫除和您房产有关的潜在危险并保护您的家产所设计的。危险指的是可能会使您的财物造成损失或破坏的那些个事。作为一个业主,您可以任选以下三种保险中的一种来让保险公司担负一旦发生问题时的赔偿。

Homeowners insurance is designed to protect your home from what is called “perils.” A peril is your exposure to risk or something that causes loss or destruction. As a homeowner, you can typically purchase three different types of home insurance policies. They are:

Please see the following table for a breakdown of what perils are covered by the three different homeowners policies.


Home Insurance Policies and What They Cover

Types of Perils

Covered Perils

HO1

HO2

HO3

Fire or lightning

x

x

x

Loss of property on premises due to fire or other perils

x

x

x

Vehicles

x

x

x

Windstorm or hail

x

x

x

Smoke

x

x

x

Explosions

x

x

x

Theft

x

x

x

Vandalism and malicious mischief

x

x

x

Riot or civil commotion

x

x

x

Aircraft

x

x

x

Breakage of glass constituting part of the building

x

x

x

Collapse of building(s)

x

x

Weight of ice, snow or sleet

x

x

Freezing of plumbing, heating and air conditioning systems and domestic appliances

x

x

Falling Objects

x

x

Accidental discharge, leakage or overflow of water or steam from within a plumbing, heating or air conditioning system or domestic appliance

x

x

Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system or of appliances for heating water

x

x

Sudden and accidental damage from artificially generated currents to electrical appliances, devices, fixtures and wiring

x

x

All perils except for flood, earthquake, war, nuclear accident. (Check your policy for complete list of perils.)

x

Coverage for jewelry, art, antiques, etc. May also include coverage for building code upgrades and sewer backups.

Can be added to any policy for an additional charge.