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What types of homeowners insurance are there?

The two most common types of homeowners insurance policies are Basic Homeowners Insurance (formally known as Homeowners Policy Special Form 3 or HO-3), and Homeowners Policy Special Form 6 (or HO-6). These two policies cover different types of home. HO-6 is structured similarly to HO-3 but covers condominiums and co-ops, also known as a "walls in" policy.

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