THE FALLS INSURANCE CENTER, INC.
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Covers dwelling and personal property from 11 perils. Differs from HO-1 in that it covers repairs or actual cash values, not rebuilding costs. This is for homes where some historic or architectural aspects make the home's replacement cost significantly higher than its market value.
There are variations on these policies as well. For example, landlords can buy coverage that insures only their dwelling and not its personal property (which is what a tenant's renter's policy would cover). And you can get special policies to cover mobile homes (a k a manufactured housing). Most homes are covered by HO-2 and HO-3 type policies.
There are many special coverage provisions offered by insurers, but here are some basic questions that you should answer as part of the home insurance process: