Which homeowners policy covers the weight of ice, snow, or sleet?

The correct choice regarding which homeowners policy covers the weight of ice, snow, or sleet is the HO-2 policy. This type of policy is known as a broad form homeowners policy. It provides coverage for specific perils, including the weight of ice, snow, or sleet, which can cause damage to a home.

The HO-2 policy typically covers 16 names perils that include not only the weight of ice and snow but also other risks like fire, lightning, windstorm, and vandalism. It offers more extensive coverage than the basic HO-1 policy but is more limited compared to the HO-3, which is an open-peril policy providing broader protection for all risks except those specifically excluded.

The HO-4 policy is renter's insurance and does not apply to homeowners, and the HO-19 is a more customized policy that may not include the specific protections associated with weight from ice and snow. Therefore, the HO-2 policy effectively addresses the concerns of homeowners when it comes to the threat posed by an accumulation of snow, ice, or sleet on their property.