There are different types of home insurance available, basically it is broken down into the following categories:

HO-1 is a very basic home insurance, it covers against fire and lightning damage.

HO-2 cover more damages such as theft, explosion, smoke, storm, riot, ice, bursting of water pipe, gas pipe etc

HO-3 insures your house and structure against loss or damage from any caused except those specifically excluded in the policy.  This is one of the most popular home insurance. Please pay attention on the excluded item as it may be required depending on the location and surrounding of your house.

HO-4, also a tenant’s policy insures your household contents stipulated in HO-2, it also provide additional coverage for living expenses reimbursement, medical treatment and third party liability.

HO-6 is specifically tailor made for condominium owner who would like to insure their household contents and personal belonging on top of the master insurance policy cover the building structure.

HO-8 is making for older house. The policy is mainly taking care of the old building where original items may not be available anymore.

Please take note the above is just a basic guideline, you are recommended to consult your insurance advisor to determine the necessary coverage needed for your house.