HO 1 home insurance is more commonly known as the "Basic Homeowner's Policy". HO1 insures home owner's against property damage that are a result of specific conditions. These include common conditions such as :
- riot/civil commotion
HO1 insurance also covers medical liability and personal liability. Additionally, the policy includes coverage of damage done to other people's property, living expenses if your home is damaged, legal defense in liability cases, and personal property both at home and while traveling.