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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