Levels of Home Insurance

Home insurance in the U.S. falls into eight different levels. Each level is based on how much coverage you wish to have, what kind of housing you own, and how much you are willing to pay for the protection offered by each level. Whether you have coverage for your house, condo, or mobile home, your insurance company has a duty to stand by the terms of the agreement made between you and them.

When insurance companies fail to abide by their promises to policyholders by denying or underpaying legitimate claims, it is sometimes necessary to employ the help of a skilled and knowledgeable insurance lawyer. Our Dallas insurance attorneys of Smith Kendall, PLLC, are dedicated to helping individuals get the payment they may be due from their insurance companies. To speak with one of our attorneys today, contact us at 214-361-6124.

Varying Levels of Coverage

Homeowners who purchase home insurance do so in order to protect the serious investment they made when buying their home. A homeowner has a number of different options for protecting their home as there are several different levels of home insurance, such as:

  • HO-1: A limited policy that covers damage caused by 10 specific problems
  • HO-2: Covers a broader spectrum of damage than HO-1
  • HO-3: Covers any damage, unless specifically excluded in the policy
  • HO-4: Renters’ insurance that covers property and liability, but not the housing itself
  • HO-5: Premier homeowners’ insurance that covers anything unless specifically excluded
  • HO-6: Insurance for owners of condominiums
  • HO-7: Insurance for mobile homes
  • HO-8: Insurance of older homes, which usually have greater replacement expenses

Despite the many options of homeowner’s insurance, every person who has any type of policy deserves to be properly compensated by their insurance company in the event of a disaster or loss.

Contact Us

If your insurance company has failed in their duty to provide payment for damages to your property or possessions, don’t hesitate to call on a skilled and qualified attorney for assistance. Our Dallas insurance attorneys of Smith Kendall, PLLC, may be able to help you get the payment you need. Contact us today at 214-361-6124.

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Smith Kendall, PLLC

5910 North Central Expressway #925
Dallas, TX 75206

Phone: (214) 361-6124
Fax: (214) 361-6126

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