Question

Under the HO₂⁻, would the explosion of a hot water heater that causes major damage to the house be covered?

Answer 1

Under the HO₂⁻ (Homeowners 2 - Broad Form), the explosion of a hot water heater that causes major damage to the house is likely covered.

Step-by-step explanation:

The Homeowners 2 (HO₂⁻) insurance policy is a broad form that typically covers a wide range of perils, including explosions. If a hot water heater were to explode and cause significant damage to the house, it would likely fall under the coverage provided by the HO₂⁻ policy. However, it's essential to review the specific terms, conditions, and exclusions outlined in the policy to confirm coverage for such incidents.

Explosions are commonly covered under standard homeowners insurance policies, and the HO₂⁻ form, being a broad form, is designed to provide more extensive coverage compared to basic forms.