What is HO9 insurance?

Answer 1

HO9 insurance, also known as the "Modified Homeowners Policy," is designed for homeowners who have a unique property situation, such as a house that may not fully meet standard insurance criteria due to its age, condition, or occupancy. It typically covers the structure of the home, personal property, liability, and additional living expenses, similar to other homeowners insurance policies but with tailored provisions. This policy is often utilized for homes that are not primary residences, such as rental properties or vacation homes. Always consult with an insurance professional to understand specific coverage details and limitations.