Which coverage type excludes damages caused by water back up?

The coverage type that excludes damages caused by water backup is HO-5. This policy is generally classified as a comprehensive form of homeowners insurance that offers broader coverage compared to the other policy types, but it still includes certain exclusions. One key exclusion within HO-5 policies is damage caused specifically by water backup from sewers or drains, unless the homeowner secures additional endorsement to include such coverage.

Understanding the HO-5 form is essential for homeowners as it provides significant protection for personal property and structures, but it also highlights the importance of reviewing exclusions. Homeowners must ensure they are aware of the limitations of their coverage and consider endorsements for specific risks that could impact their property, such as water damage from backup systems.

In contrast, the other policies like HO-3, HO-2, and HO-4 might offer different levels of coverage for specific types of water damage or provide varying exclusions based on the structures involved or the tenant versus owner distinction. However, the HO-5's specific exclusion regarding water backup is a critical detail in understanding the nuances of home insurance coverage.