HO - 1 or Basic Coverage, is the type of packaged Homeowners Insurance policy meant for protection of home,
detached structures, and personal property
from losses caused by the following disasters and perils: fire or lightning, wind or hail, explosion, riot or civil unrest,
aircraft, vehicles, volcanic eruptions, smoke, theft, vandalism or malicious mischief and self - damaging instances (e.g. damage by glass material that is part of the building, a part of the building falling, etc).