HO-2 (Broad Form)

HO-2 (Broad Form) is a type of homeowners insurance policy that provides broad protection for your house and personal belongings. It covers damage from common risks like fire, wind, hail, and vandalism, but not earthquakes or floods. It also covers personal liability if someone is injured on your property. The policy offers more coverage than basic plans but less than the more comprehensive HO-3 plan. Essentially, HO-2 protects your home and possessions against many common risks, giving you peace of mind without the higher cost of more extensive policies.