Policy Form Specialty Homeowners Specialty Homeowners *Enhanced/Full Repair HO-3 HO-8 A. Dwelling Coverage Named Peril Coverage Named Peril Coverage All Risk Coverage Named Peril Coverage Fire, Lightning & Internal Explosion Yes Yes Yes Yes Smoke Yes, but not by fireplaces or agricultural smudging Yes, but not by fireplaces or agricultural smudging Yes Yes
The sebaceous glands secrete sebum into hair follicles. Sebum is an oil, that keeps the skin moist and soft and acts as a barrier against foreign substances. The hair follicles produce the various types of hair found throughout the body. Hair not only contributes to a person's appearance but has a number of important physical roles, including regulating body temperature, providing protection from injury, and enhancing sensation.
Unsourced material may be challenged and removed. (November 2007) Protection from mechanical injury, chemical hazards, and bacterial invasion is provided by the skin because the epidermis is relatively thick and covered with keratin. Secretions from sebaceous glands and sweat glands also benefit this protective barrier.