Here are some links that you may find useful.

HO-0 – Dwelling Fire Policy Form

  • A policy form that provides coverage on a home against fire, smoke, windstorm, hail, lightning, explosion, vehicles, and civil unrest. It does not cover your personal property, personal liability, or medical expenses. It is the type of policy your mortgage lender will buy for you if you let your homeowner policy lapse.
  • HO-1 – Basic Policy Form

  • A basic policy form that provides coverage on a home against 11 listed perils; contents are generally included in this type of coverage, but must be explicitly enumerated. The perils include fire or lightning, windstorm or hail, vandalism or malicious mischief, theft, damage from vehicles and aircraft, explosion, riot or civil commotion, glass breakage, smoke, volcanic eruption, and personal liability. Exceptions include floods, earthquakes. Most states no longer offer this type of coverage.
  • HO-2 – Broad Policy Form

  • A more advanced policy form that provides coverage on a home against 16 listed perils (including all 11 on the HO-1). The coverage is usually a "named perils" policy, which lists the events that would be covered
  • HO-3 – Special Policy Form

  • The typical, most comprehensive form used for single-family homes. The policy provides "all risk" coverage on the home with some perils excluded, such as earthquake and flood. Contents are covered on a named peril basis. (Note: "all risk" is poorly termed as it is essentially named exclusions (i.e., if it is not specifically excluded, it is covered).)
  • HO-4 – Contents Broad Policy Form

  • The Contents Broad, or Tenants, policy form is for renters. It covers personal property against the same perils as the contents portion of the HO-2 or HO-3. An HO-4 generally also includes liability coverage for personal injury or property damage inflicted on others.
  • HO-5 – Comprehensive Policy Form

  • Covers the same as HO-3 plus more. On this policy the contents are covered on an open peril basis, therefore as long as the cause of loss is not specifically excluded in the policy it will be covered for that cause of loss.
  • HO-6 – Unit-Owners Policy Form

  • The policy form for condominium owners. It insures your personal property, your walls, floors and ceiling against all of the perils in the Broad Form.
  • HO-8 – Modified Coverage Policy Form

  • This policy form is for the owner-occupied older home whose replacement cost far exceeds the property's market value.
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    Floodsmart.gov has a cool online tool that shows the cost of water damage* to a home. Here is the link, so you can check it out. It is for the national flood service, but any water damage can cause these expenses. Plus, the people here locally that are in flood zones often times do NOT have flood insurance and not all home owner’s policies cover water damage from an outside source.

     
      Utilities:
    • Southwest Gas Company
    • CenturyLink
    • Cox Communications
    • Republic Services
    • Las Vegas Valley Water District
    • Henderson Water
    • North Las Vegas Water
    • Call Before You Dig
    • Nevada Energy

    • (702) 365-1111
    • (702) 222-4444
    • (702) 933-9811
    • (702) 735-5151
    • (702) 870-4194
    • (702) 267-5900
    • (702) 633-1275
    • (800) 227-2600
    • (702) 402-5555
      Non Emergency:
    • Non-emergency reporting
    • Las Vegas Emergency Management
    • Las Vegas Fire and Rescue Headquarters
    • Clark County Emergency Management
    • North Las Vegas Emergency Management
    • Henderson Emergency Management
    • Emergency Road Conditions
    • Southern Nevada Health District
    • Clark County Regional Flood Control
    • American Red Cross

    • 3-1-1
    • (702) 383-2888
    • (702) 383-2888
    • (702) 455-5710
    • (702) 633-1125
    • (702) 267-2212
    • (877) 687-6237
    • (702) 759-1000
    • (702) 685-0000
    • (702) 791-3311

    *Water damage from flooding or other major water intrusion in homes should be dried within 24 hours if at all possible. For severe water damage for more than 48 hours, a trained restoration professional should be consulted regarding cleanup procedures.

     

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