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COMPARISONS OF COVERAGE NEW YORK HOMEOWNERS INSURANCE PROGRAM
| HO – 1 | HO -2 | HO – 3 | HO – 4 | HO – 5 | HO – 6 | HO – 8 | ||
| 1. Fire, lightning, windstorm, hail, riot, civil commotion, aircraft, explosion | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| 2. Bursting of steam or hot water appliances and heating systems | No | Yes | Yes | Yes | Yes | Yes | No | |
| 3. Damage by vehicles: Building | Yes, ex- cept by occupant of premises | Yes | Yes | N/A | Yes | Yes | Yes, except by occupant of premise | |
| 4. Smoke (a) Fireplace (b) Heating or cooking unit | No | Yes | Yes | Yes | Yes | Yes | No | |
| Yes | Yes | Yes | Yes | Yes | Yes | Yes | ||
| 5. Vandalism or malicious mischief | Yes, except if vacant over 30 days | Yes, ex- cept dwg loss if vacant over 30 days | Yes | Yes, ex- cept dwg loss if vacant over 30 days | Yes | Yes, except if vacant over 30 days | ||
| 6. Water (a) Flood, surface water | No | No | No | No | No, ex- cept personal property off premises | No | No | |
| (b) Backup of sewers, drains | No | No | No | No | No | No | ||
| (c ) Leaking from plumbing, heating or air conditioning systems | No | Yes, except loss to involved system itself | No | |||||
| (d) Rain through faulty roof, windows, doors | No | No | Yes, dwelling only | No | Yes | No | No | |
| (e) Freezing of plumbing and heating system | No | Yes, except while vacant or unoccupied and proper heat not maintained or system not drained | No | |||||
| 7. Falling objects, including trees | No | Yes | Yes | Yes | Yes | Yes | No | |
| 8. Weight of ice, snow, sleet | No | Yes | Yes | Yes | Yes | Yes, to property inside building | No | |
| 9. Collapse of building | No | Yes | Yes | Yes | Yes | Yes | No | |
| 10. Sudden, accidental injury to electrical appliances | No | Yes | Yes | Yes | Yes | Yes | No | |
| 11. Theft (a) Building Materials | Yes, except when dwg. Is under construction and prior to occupancy | Yes, to $1,000 | ||||||
| (b) Personal Property | Yes | Yes | Yes | Yes | Yes | Yes | Yes, to $1,000 | |
| (c) From unattended auto off premises | No | No, unless by forced entry; available by endorsement | No | |||||
| (d) “Mysterious disappearance” (from known place when theft is likely) | Yes | Yes | Yes | Yes | Yes | Yes | Yes, to $1,000 | |
This document presents a general description of coverage’s consult the policy for exact terms and conditions