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Homeowners Insurance Coverage

If you own a real estate property, you need homeowners insurance. There is a reason why the majority of the households in the United States have homeowners' insurance coverage. Simply put, it is logical to protect one of your largest investments - your house. In the end, it comes down to how much coverage you need. PropertyInsuranceCoverage.com partners with many home insurance providers across the United States. We can help you save money on homeowners' insurance by providing you with as much opportunities to compare as possible. It is free, fast, and easy to use our services.

Homeowners' insurance will provide financial aid to expenses from damages to the insured property or injuries occurred on the insured property. There are many natural disasters that can cause a significant damage to your home. Homeowners' insurance can provide financial protection for disasters such as, but not limited to, fire, lightning, tornadoes, hail, volcanic eruption, snow, tsunami, flood, and earthquakes. In addition, it also provides coverage for damages from explosions occurred near the property, riots, and intended or unintended destruction on the property.

Not only is the real estate property itself protected, but also its contents. Homeowners' insurance can provide the financial protection to household items lost due to thefts. If you think hiding your diamond rings inside your house is the most secure and safest way, you might want to think again. Did you know that for every 100,000 households in the United States, 2,894 of them report property crime cases every single year? United States has a property crime rate as high as 2.894%.

If you carry a mortgage, it would be a good idea to have homeowners' insurance on the house. Homeowners' insurance also provides financial support in the recovery process during unexpected events such as sudden lost or drop of income from the primary bread earner in the household, which can happen due to various reasons such as layoffs, employment salary cuts, accidents, or health issues affecting performance in the workplace. By having a sound homeowners' insurance, you are not only protecting your house, but also the well-being of your family, your dependents, and yourself.

The 7 Standardized Homeowners' Insurance Coverage

When you go out and purchase home insurance, you will come across different types of coverage:

  • HO1 Basic Form - This type of coverage protects your home from 11 natural disasters, excluding flood and earthquakes. Contents in the household that are listed in the policy will also be protected.
  • HO2 Broad Form - This type of coverage protects your home from 17 natural disasters, excluding flood and earthquakes. Contents in the household that are listed in the policy will also be protected.
  • HO3 Special Form - This type of coverage adds protection from flood and earthquakes. Contents in the household that are listed in the policy will also be protected.
  • HO4 Renter's - If you rent, this type of coverage provides protection for personal properties of the tenant (you).
  • HO5 Premier - All of the eligible (with receipts) contents in the household will be protected.
  • HO6 Condominium - If you own a condo unit, this type of coverage provides additional coverage for repairs done on the building and your condo unit.
  • HO7 Older Home - Provides coverage for older homes where replacement cost exceeds the market value of the property.

Find, Compare, and Save Money on Homeowners' Insurance

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