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).