If you have a home, you probably have homeowners insurance. Mortgage lenders usually require it and for good reason. Any big investment should be insured in case something was to happen. What bigger investment can you make than your home? Just because you have insurance doesn’t mean you know exactly what is in it. Do you have an HO-2 policy or and HO-3 policy? What’s the difference? What’s covered?


The two common types of homeowners insurance are HO-2 and HO-3 policies. HO-2 policies are not as comprehensive and are considered name perils policies. This means there are 16 specific issues that a HO-2 policy will cover. They are:

  1. Fire or lightning
  2. SmokeFirefighter 11449792 Edit, Entrust Insurance St. Clair Shores, MI and Southeast Michigan
  3. Theft
  4. Vandalism
  5. Windstorms and hail
  6. Damage from vehicles
  7. Damage from aircraft
  8. Weight of ice, snow, and sleet
  9. Freezing of household systems
  10. Riots
  11. Explosions
  12. Falling objects
  13. Volcanic eruptions
  14. Overflow or discharge of water
  15. Damage from artificially generated electrical current
  16. Sudden tearing, cracking, or bulging of home

HO-3 policies cover everything except what your insurer excludes. You’ll get all the volcanic eruption insurance you want and then some. Your personal property, however, will still be covered under name perils.


No matter what policy you buy, there are some things that no homeowners insurance covers:

  •  Flooding
  • Earthquakes
  • LandslidesTornado 541911 1280, Entrust Insurance St. Clair Shores, MI and Southeast Michigan
  • Mold
  • Infestations
  • Wear and Tear
  • Nuclear Hazard
  • Government Action




Fortunately, you can buy flood and earthquake coverage.  Windstorm insurance is also offered, especially in hurricane-prone areas. Talk to your agent at Entrust Insurance about your policy and what is and isn’t covered. A policy review is a great time to add endorsements to your policy to protect everything that matters to you.



Entrust InsuranceEntrust, Entrust Insurance St. Clair Shores, MI and Southeast Michigan

21719 Harper Ave, Ste. E

St. Clair Shores, MI

(586) 232-5511