Homeowners insurance is designed to protect your home from what are called perils. A peril is your exposure to risk or something that causes loss or destruction. As a homeowner, you can typically purchase three different types of home insurance policies.They are: 1  Homeowners 1 (HO1): With this policy, your property is covered against 11 basic perils. 2  Homeowners 2 (HO2): This policy protects your property against 18 perils (including 11 perils from Homeowners 1).s a homeowner, you can typically purchase three different types of home insurance policies. They are: 1  Homeowners 1 (HO1): With this policy, your property is covered against 11 basic perils.
If it is on it's side for an hour or two I would wait at least 6-12 hours before plugging it in. If you have to lay it on its side for more than a couple of hours I would rent the appropriate truck. 4. If you want to be even safer, wait 24 hours. It's cheaper than repairing or replacing it.
And you can help things along with a few tips: 1  Start with a very cold refrigerator â turn it on the day before and/or set the fridge temperature to the coldest setting the night before travel. 2  Pack empty space in the fridge with cold beverages. Make sure everything in the fridge is cold before you turn it off.