Your Complete Guide to Homeowners Insurance
Expert reviews, state-by-state guides, and answers to all your home insurance questions
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The most comprehensive resource for understanding and choosing homeowners insurance in the United States
📚 Comprehensive Guides
In-depth state-by-state guides covering regulations, average costs, and local requirements for all 50 states.
⭐ Expert Reviews
Unbiased reviews of major insurance companies, comparing coverage, pricing, customer service, and claims handling.
💡 Expert Insights
Clear explanations of coverage types, policy forms (HO-1 through HO-8), and answers to every home insurance question.
📝 Latest from Our Blog
Stay informed with expert advice, money-saving tips, and coverage insights
10 Ways to Save Money
Learn proven strategies to reduce your premiums without sacrificing the protection you need.
12 Things Not Covered
Avoid costly surprises by understanding what your standard homeowners insurance doesn’t cover.
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🏛️ State Guides
Detailed insurance requirements, average costs, and regulations for every state.
🏢 Company Reviews
In-depth analysis of top insurers including State Farm, Allstate, USAA, and more.
🛡️ Coverage Types
Understand dwelling, personal property, liability, and additional living expenses coverage.
📋 Policy Types
Complete guide to HO-1 through HO-8 policies and which one is right for your home.
Understanding Homeowners Insurance Policies
A comprehensive overview of the eight standard policy forms
| Policy Type | Coverage Level | Best For |
|---|---|---|
| HO-1 | Basic Form | Minimal protection, rarely offered today |
| HO-2 | Broad Form | Named perils coverage for common risks |
| HO-3 | Special Form | Most popular – covers all perils except those excluded |
| HO-4 | Renters Insurance | Personal property coverage for renters |
| HO-5 | Premier Form | Comprehensive coverage with fewer exclusions |
| HO-6 | Condo Insurance | Coverage for condo unit owners |
| HO-7 | Mobile Home | Protection for manufactured and mobile homes |
| HO-8 | Older Homes | Modified coverage for historic or older properties |
Featured Insurance Companies
State Farm
⭐⭐⭐⭐⭐ (4.8/5)
Largest home insurer in the US with excellent customer service and competitive rates.
USAA
⭐⭐⭐⭐⭐ (4.9/5)
Top-rated coverage for military members and families with outstanding claims service.
Allstate
⭐⭐⭐⭐ (4.5/5)
Wide range of coverage options and discounts with strong financial stability.
Frequently Asked Questions
What does homeowners insurance cover?
Standard homeowners insurance typically covers four main areas: dwelling coverage (structure of your home), personal property coverage (belongings), liability protection (legal responsibility for injuries or damage), and additional living expenses (temporary housing if your home is uninhabitable).
How much homeowners insurance do I need?
Your dwelling coverage should equal the cost to rebuild your home (not its market value). Most lenders require enough coverage to rebuild completely. Personal property coverage is typically 50-70% of dwelling coverage. Liability coverage of at least $300,000 is recommended, with $500,000 or more for higher net worth households.
What’s the difference between HO-3 and HO-5 policies?
HO-3 is the most common policy that covers your dwelling on an “all-risk” basis (everything except what’s specifically excluded) but covers personal property only for named perils. HO-5 provides broader “all-risk” coverage for both dwelling and personal property, with fewer exclusions, making it more comprehensive but typically more expensive.
Does homeowners insurance cover floods and earthquakes?
No, standard homeowners insurance policies do not cover flood or earthquake damage. You’ll need separate flood insurance (often through FEMA’s National Flood Insurance Program) and earthquake insurance as endorsements or separate policies. These are essential in high-risk areas.
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