The following are the different types of homeowners insurance policies, the most popular policy is the HO-3, which provides the broadest coverage.
HO-2: Basic policy
This is a basic policy that provides protection against all 16 primary disasters. There is a version of HO-2 designed for mobile homes.
HO-3: The most popular policy
This policy protects your home from all perils except those specifically excluded.
HO-8: Older home
Designed for older homes, this policy usually reimburses you for damage on an actual cash value basis only. This means the replacement cost minus depreciation. Full replacement cost policies are not available for some older homes.
The best way to find the lowest price for home insurance to compare the prices from multiple companies. We make the shopping process simple and easy for you. Simply select the type of insurance quote you would like into the box above, enter your zip code, and select each company from the list that you would like a quote from. Most insurance companies offer additional discounts when you combine home and auto insurance.
When it comes to your home the one thing you don't want to skimp on is insurance coverage. However, getting higher coverage limits doesn't mean that you need to pay an arm and a leg. The basic types of homeowners insurance coverage are:
Coverage for the structure of your home.
Coverage for your personal belongings.
Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.
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