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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.
Are there different policies?
Yes. Persons who own their home would have a different policy from someone who rents. Policies also differ on the amount of insurance coverage provided. The different types of homeowner's policies are fairly standard throughout the country. However, individual states and companies may offer policies that are slightly different or go by other names such as "standard" or "deluxe". The one exception is the state of Texas, where policies vary somewhat from policies in other states.
If you own the home you live in, you have several policies to choose from.
The most popular policy is the Homeowners-3, (HO-3).
There is also a HO-1 limited coverage policy. This is basically a "bare bones" policy that covers you against the first 10 disasters. *Note: this type of policy is no longer available in most states.
HO-2: Basic policy. A basic policy provides protection against all 16 disasters.
HO-3: The most popular policy
This "special" policy protects your home from all perils except those specifically excluded. Homeowners-3, (HO-3), provides the broadest coverage. Owners of multi-family dwellings generally purchase a HO-3 with an endorsement to cover the risks associated with having renters live in their homes.
HO-8: Older home
Designed for older homes, this policy usually reimburses you for damage on an actual cash value basis, which means replacement, cost less depreciation. Full replacement cost policies may not be available for some older homes.
