Copyright 2008 The Insurance Files
    HO-5 insurance is a type of insurance for homeowners that does not require much explanation. HO-5 is the most complete home insurance coverage available. Pretty much anything you can think of is covered under the policy except floods, earthquakes, wars, and exposure from nuclear substances. Flood insurance and earthquake insurance are available for those hazards. Wars and worse yet nuclear wars are certainly something we all hope will never happen and is usually a rare occurence, which is probably the primary reason that those perils are not covered. HO-5, because of everything that is covered under the policy, can be somewhat expensive. But, if you are looking for maximum protection for your home then HO-5 homeowners insurance is the way to go. If you feel you can get

away with less coverage or want to get an HO-5 policy, get your free homeowners insurance quote right away to protect your assets.