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What is Homeowners Insurance?
And why you need it
Homeowners insurance secures your financial interests if your home is destroyed or damaged by a covered peril. The ten named perils are: fire, wind or hail, explosion, civil commotion, aircraft, vehicles, smoke, vandalism, theft, and falling objects. Six additional perils are ice or snow, water, appliance malfunction, freezing, electrical damage, and volcanic eruption.
Home Insurance Basics
Types of Home Insurance
HO-1: Basic
10 named perils
Mostly nonexistent nowadays, but cover actual cash value of home. Premium rates based off several factors.
HO-2: Broad
10 perils + 6 more
Cover dwelling at its replacement cost and personal property at cash value. Premium rates based off several factors.
HO-3: Special
All-risks coverage for named perils and personal property. Some excluded perils.
Most common. Covers replacement cost and personal property at cash value. Premium rates based off several factors.
HO-4: Content Broad
Renters insurance for personal property, liability, and living expense. 16 perils.
Personal property covered at its replacement cost. Premium rates based off several factors.
HO-5: Comprehensive
Similar to HO-3, with some notable differences
Best and most robust form of home protection. Mostly for high-net-worth properties. Premium rates based off several factors.
HO-6: Unit-owners
Condo insurance. Coverage can vary with HOA insurance.
Includes personal property, loss of use, personal liability, and medical payments. Premium rates based off several factors.
HO-7: Mobile Home
HO-3 designed for mobile homes.
Includes most types of mobile homes. Premium rates based off several factors
HO-8: Modified Coverage
10 named perils. Reimbursement based on home cash value.
For homes that don’t meet insurer standards (older homes). Home can be covered without full updates. Premium rates based off several factors.
Have any Questions?
We’ve got you covered!
Who needs Homeowners Insurance?
In most cases, homeowners insurance is required by the lender. They want to ensure their financial investment in your home is protected. Other types of insurance may also be required in addition to homeowners insurance.
What type of Homeowners Insurance should I get?
Most lenders will specify the amount of insurance you must carry. However, your family and possessions hold a value much higher than the physical structure of your home. That’s why having enough, or even more, insurance than what’s is required is important. Luckily, our agents can simplify this process.
What kind of insurance plans do you offer?
At InsurancePlans, we offer insurance plans of all kinds. This includes Medicare, health, life, auto, and home.
Is it cheaper to buy insurance through InsurancePlans?
Each family has a very specific lifestyle and income. InsurancePlans instantly shops and compares rates for you to find the coverage that best fits your unique needs and budget.
How do you help people find the right plan?
We can help you find insurance plans of all kinds. We represent many top-rated insurance companies. You can be sure to find the plan that matches your unique need.
What makes InsurancePlans different?
InsurancePlans is your one stop for medical coverage. The difference is that it’s our top priority to give you peace of mind that you and your family are protected.
Is InsurancePlans an insurance company?
InsurancePlans is not an insurance company. We shop some of the most trusted insurance companies on your behalf, making the process simple and convenient.
It was fun and easy!
Great rates, super simple. At first, I was concerned the rate I was given was inaccurate. I couldn’t believe it – the final rate was quoted. The customer service was great and their follow up is amazing. I would highly recommend to anyone looking for insurance.
Great experience!
I normally dread working with people over the phone, but I had a great experience from the beginning to end. Everyone I spoke with was kind, knowledgeable, and a pleasure to talk to. It was all the help and positivity. I was kept informed and updated throughout the process of finding the right insurance plan.
Fast and easy!
It was fast and easy! I was becoming overwhelmed juggling so many insurance plan options. With InsurancePlans the agent put my mind at ease and made the whole process simple and quick. I feel so much better, and I KNOW I have found the best plan for me.
We help you save time and money so you can focus on what’s important in your life.
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