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H

Hazard Insurance	Insurance on a property against fire and similar risks.
High Ratio	A mortgage loan that exceeds the normal limit of a conventional first mortgage, in regard to the ratio of the loan amount to the property's lending value; the higher loan amount is made possible by a mortgage insurance plan. e.g. CMHC.
Holdback	An amount of money retained by a construction lender or owner until satisfactory completion of the work performed by a contractor.
Homeowner's Policy	Policy which puts many kinds of insurance together into one package.