OVERVIEW
Safeguard Your Home and Personal Property
Home insurance (homeowners insurance) is a financial policy that protects your structure, personal belongings, and property assets against unexpected damages, natural disasters, theft, and liability claims.
Dwelling & Structural Protection
Covers repair or rebuilding costs for your home’s structure, roof, and detached buildings.
Personal Property Shield
Replaces lost or damaged furniture, electronics, clothing, and personal items inside your home.
Personal Liability Defense
Protects you financially against lawsuits or medical bills if someone is injured on your property.
HOME COVERAGE OPTIONS
Explore Home Insurance Policies Built For Your Property
Compare primary home insurance plans to protect single-family houses, condominiums, rental properties, or high value personal assets.
Homeowners Insurance (HO-3)
Comprehensive coverage protecting your house structure from all perils except specific policy exclusions, plus personal property protection.
Condo Insurance (HO-6)
Special policy that covers the interior walls, fixtures, personal belongings, and liability within your individual condo unit.
Renters Insurance (HO-4)
Low cost protection for tenants that covers personal belongings, liability, and temporary living expenses if the rental becomes uninhabitable.
Rental Property Coverage
Specialized protection for property owners renting out residential units, including structural damage, landlord liability, and lost rental income.
HOME PLAN COMPARISON
Side By Side Home Insurance Options
Compare coverage boundaries, structural inclusion, personal property coverage, and ideal use cases across all primary home insurance types.
| Policy Type | Structural Coverage? | Personal Property? | Liability Included? | Best For |
|---|---|---|---|---|
| Homeowners (HO-3) | Yes (Full Structure) | Yes | Yes | Single-Family Homeowners |
| Condo Insurance (HO-6) | Interior Only | Yes | Yes | Condo & Co-op Owners |
| Renters Insurance (HO-4) | No (Building Only) | Yes | Yes | Apartment & Home Tenants |
| Landlord Policy (DP-3) | Yes (Structure) | No (Landlord Assets Only) | Yes | Rental Property Investors |