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Home Insurance
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InsPolicy.com provides home insurance quotes in all states throughout the U.S. Getting an insurance quote is FAST and FREE! Receive multiple quotes from the carriers you select. In addition, you can even be reminded of important dates, such as your policy renewals. In addition to free home insurance quotes, search our site for informative insurance information.
If you rent your home?
HO4-Renter
Created specifically for those who rent the home they live in, this policy protects your possessions and any parts of the apartment that you own, such as new kitchen cabinets you install, against all 16 disasters.
If you own a co-op or a condo
H0-6: condo/co-op
A policy for those who own a condo or co-op, it provides coverage for your belongings and the structural parts of the building that you own. It protects you against all 16 disasters.
Your level of coverage
Regardless of whether you are an owner or renter, you have the following three options:
1. Actual cash value.
This type of policy pays to replace your home or possessions minus a deduction for depreciation.
2. Replacement cost.
The policy pays the cost of rebuilding/repairing your home or replacing your possessions without a deduction for depreciation.
3. Guaranteed or extended replacement cost.
This policy offers the highest level of protection. A guaranteed replacement cost policy pays whatever it costs to rebuild your home as it was before the fire or other disaster-even if the cost exceeds the policy limit. This protects you against sudden increases in construction costs due to a shortage of building materials in the event of a widespread disaster or other unexpected situations. It generally does not cover the cost of upgrading the house to comply with current building codes. You can, however, get an endorsement (or an addition to) your policy called Ordinance or Law to help pay for these additional costs. If you own an older home you may not qualify for a guaranteed replacement cost policy.
Instead of a guaranteed replacement cost policy some insurance companies offer an extended policy. An extended policy pays a certain percentage over the limit to rebuild your home. Generally, it is 20 to 25 percent more than the limit of the policy. A guaranteed/extended replacement cost policy may be a bit more expensive, however it offers the buyer the best financial protection against disasters. These coverages, however, may not be available in all states or from all companies.
