Compare homeowners, renters and condo insurance from top US carriers — State Farm, Allstate, Liberty Mutual and more. Free, unbiased quotes.
Whether you own, rent or have a condo, there’s a home insurance policy built for your situation.
The standard policy for single-family homeowners — covers your home, belongings and liability.
Covers your belongings and liability as a renter — your landlord’s policy does NOT protect you.
Covers your unit interior, belongings and liability — fills gaps in your HOA’s master policy.
Open perils coverage on both your home AND belongings — the most comprehensive policy.
Standard policies do NOT cover flooding. Separate flood insurance is essential in flood-prone areas.
Also excluded from standard policies. Critical in California, Pacific Northwest and other seismic zones.
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A standard HO-3 policy covers 6 core protections.
Covers the physical structure — walls, roof, foundation — if damaged by a covered peril like fire, wind or hail.
Covers detached garages, fences and sheds. Typically 10% of your dwelling coverage limit.
Covers your belongings — furniture, electronics, clothing. Usually 50–70% of dwelling coverage.
Pays hotel and living expenses if your home becomes uninhabitable after a covered loss.
Covers legal costs if someone is injured on your property or you damage someone else’s property.
Pays minor medical bills for guests injured on your property — regardless of fault.
| Policy | Who It’s For | Covers Structure | Covers Belongings | Avg. Annual Cost |
|---|---|---|---|---|
| HO-3 | Homeowners | Yes | Yes | ~$1,428/yr |
| HO-4 (Renters) | Renters | No | Yes | ~$180/yr |
| HO-5 | Homeowners | Yes (open perils) | Yes (open perils) | ~$2,100/yr |
| HO-6 | Condo owners | Interior only | Yes | ~$490/yr |
Answers to the most common questions from US homeowners and renters.
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