There are basically three kinds of homeowner insurance. Here they are:

HO-1
This is most basic bust least common form of homeowner insurance, which cover the following events: fire, windstorm, hail, lightning, explosion, riots, vandalism, smoke, theft, damage caused by aircraft, and vehicles, as well as damage from volcanic eruptions.

HO-2
This is broader than HO-1, and covers additional events like damage from the weight of ice or snow or sleet; falling objects, leaks in your plumbing, defects in your air-conditioning heating, and fire-sprinkler systems; as well as sudden and accidental damage to your fixtures and appliances that is caused by a sudden electrical discharge.

HO-3
The last and most common, this insurance policy covers all events, except the following: flood, earthquake, war, mold (although some have limited coverage for this) nuclear accident, landslides, mudslides and sinkholes.