Your Guide to Home Insurance
Welcome to your complete online guide to buying home insurance. This 100% FREE site is about helping you get the right home insurance coverage at an affordable price.
- Want to save money on home insurance? Compare home insurance rates from multiple companies. Get your free home insurance quotes here >>
- New to home insurance? Learn How Home Insurance Works
- Save hundreds by comparing home insurance prices online!
Where Can I Compare Home Insurance Quotes?
This site has been designed to let you customize the way you learn about home insurance. You can compare quotes online and buy a renters, condo, or home insurance policy. You can start a quote online today to compare the rates, discounts and payment plans offered through our partners.
Do I Need Home Insurance?
Home insurance coverages are fairly standard between companies as they have been regulated by the Insurance Services Office (ISO). Keep in mind, however, the rates will still vary between insurers. If you are unsure if you need home insurance ask yourself do you fall into the following categories:
- You own and live in a house
- You rent or lease your house
- You own and live in a condo
What Types of Home Insurance Coverage Exist?
All home insurance provides property and liability coverage as well as some form of “loss of use from damage”. There are many types of homeowners packages you can purchase. To keep things simple, we will only show the packages for personal homeowners coverage.
- Homeowners 1 (HO-1)
- Homeowners 2 (HO-2)
- Homeowners 3 (HO-3)
- Homeowners 4 (HO-4)
- Homeowners 6 (HO-5)
- Homeowners 8 (HO-8)
A basic home insurance policy which covers your house from 10 specified perils.
A broad home insurance policy which covers your home and contents (belongings) from 16 specified perils.
An “All perils” policy covering everything other than those excluded perils.
A home insurance policy for people that rent. While it does not insure your actual home, it provides liability coverage as well as 16 named perils.
A homeowners coverage for people that own a condo covering the owner’s unit as well as liability insurance.
A policy suited for those with older, less expensive homes. This covers the same perils as in HO-2, however, only pays to repair the home and not replace it. The reason being is that the home may cost much more to replace than to repair. To learn more about home insurance, read our article How Insurance Works to get a better understanding of what coverages are offered.
Which Companies Provide Cheap Home Insurance?
Since every company sets different rates, when shopping for home insurance it is important to shop around. Each company has their own rating systems that they charge depending on how “high risk” your home is to damage. Therefore, you should compare home insurance rates at least once a year as prices between companies tend to fluctuate annually.
