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  • Ho 00 08 (05 11) Homeowners 8 - Modified Coverage Form

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HOMEOWNERS HO 00 08 05 11 HOMEOWNERS 8 MODIFIED COVERAGE FORM AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions.

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An HO-8 policy contains the same types of coverage as a standard homeowners insurance policy, but it only covers your home and personal belongings at their actual cash value in the event of a loss. That means if your home is damaged by a fire, depreciation would be factored into your claim reimbursement.

An HO-8 policy contains the same types of coverage as a standard homeowners insurance policy, but it only covers your home and personal belongings at their actual cash value in the event of a loss. That means if your home is damaged by a fire, depreciation would be factored into your claim reimbursement.

There is no theft coverage under an HO-8. The actual cash value of what was stolen, with limits for certain classes of property.

HO8 policy, also called the modified coverage form, is a type of home insurance for older buildings where the replacement costs potentially outweigh the market value.

The Homeowners Modified Form 8 (HO 8) is part of the Insurance Services Office, Inc. (ISO), homeowners portfolio. The HO 8 form provides basic named perils coverage for direct damage to property, personal liability coverage, and medical payments to others as respects owner-occupied dwellings.

The only difference between the two is a deduction for depreciation. 2- There are a few specific disasters (perils) that many insurances do not cover: earthquakes and other earth movement, sinkholes, flooding, acts of war and acts by the government, and nuclear accidents.

HO6 is widely known as condo insurance. This form of coverage is designed primarily for older homes, especially those that have replacement costs exceeding their market value. HO8 provides basic coverage for named perils. Your agent can help you identify the right amount of coverage based on your individual needs.

The difference between HO-8 and HO-3 insurance policy types is the way in which perils are covered. In an HO-8 policy, there is only coverage for 10 named perils, while an HO-3 policy provides coverage for all perils except listed exclusions.

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© Copyright 1997-2025
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Form Packages
Adoption
Bankruptcy
Contractors
Divorce
Home Sales
Employment
Identity Theft
Incorporation
Landlord Tenant
Living Trust
Name Change
Personal Planning
Small Business
Wills & Estates
Packages A-Z
Form Categories
Affidavits
Bankruptcy
Bill of Sale
Corporate - LLC
Divorce
Employment
Identity Theft
Internet Technology
Landlord Tenant
Living Wills
Name Change
Power of Attorney
Real Estate
Small Estates
Wills
All Forms
Forms A-Z
Form Library
Customer Service
Terms of Service
DMCA Policy
About Us
Blog
Affiliates
Contact Us
Privacy Notice
Delete My Account
Site Map
All Forms
Search all Forms
Industries
Forms in Spanish
Localized Forms
Legal Guides
Real Estate Handbook
All Guides
Prepared for You
Notarize
Incorporation services
Our Customers
For Consumers
For Small Business
For Attorneys
Our Sites
US Legal Forms
USLegal
FormsPass
pdfFiller
signNow
airSlate workflows
DocHub
Instapage
Social Media
Call us now toll free:
1-877-389-0141
As seen in:
  • USA Today logo picture
  • CBC News logo picture
  • LA Times logo picture
  • The Washington Post logo picture
  • AP logo picture
  • Forbes logo picture
© Copyright 1997-2025
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232