What does an HO-8 Policy Cover?

what does an HO-8 policy cover

Most homeowner’s insurance policies are for homes built within the last 40 years. Homes in this age range tend to be relatively stable and relatively low-risk, so a normal HO-3 or HO-5 policy is usually good enough for protection. Older houses, though, need special insurance protection If your home is old or made from materials […]

What is Flood Insurance?

what is flood insurance

If you take a look at most of the standard homeowner’s insurance policies—HO-1, HO-3, and HO-5, you likely notice that most of them are curiously absent of what might seem like a significant peril—floods. Most standard homeowner’s insurance policies do not include flood protection as part of the package. In cases where flood protection is […]

What does an HO-7 Policy Cover?

what does an HO-7 policy cover

If you own a mobile or manufactured home, then you need a particular type of homeowner’s insurance. You need an HO-7 policy. Things like HO-1, HO-3 and HO-5 insurance policies are for homeowners, and HO-4 and HO-6 plans are for renters and condo owners, respectively. Those with mobile homes or manufactured homes are required to […]

What does an HO-6 Policy Cover?

what does an HO-6 policy cover

If you own a condo, then you most likely have some kind of HO-6 insurance policy. HO-6 policies, also called condo insurance, are specifically designed for insuring single-unit condos and providing liability coverage. If you own a condo but do not have HO-6 insurance, then your condo can be at great risk. We are going […]

What does an HO-4 Policy Cover?

what does an HO-4 policy cover

There are several different types of homeowner’s insurance each of which offers different levels of protection and coverage. An HO-4 homeowner’s insurance plan, also called renter’s insurance, protects a renter’s personal property and liability. If you rent a condo, apartment, townhome, or home, and have insurance, then you likely have an HO-4 policy. HO-4 insurance […]

What does an HO-2 Policy Cover?

what does an HO2 policy cover

Those who own a residence need homeowner’s insurance. There are several types of homeowners insurance policies. We are going to cover HO-2 policies and talk about what kind of coverage and benefits they offer homeowners.   What Is an HO-2 Policy?   In a nutshell, an HO-2 policy plan is a tier of homeowner’s insurance […]

What does an HO-5 Policy Cover?

what does an HO-5 policy cover

For most homeowners who want adequate insurance protection, an HO-3 homeowner’s insurance policy is the typical choice. HO-3 policies offer a good range of coverage for your home and possessions. However, for those who want more protection, there are HO-5 policy plans. HO-5 plans are truly comprehensive and cover both your home and possessions under […]

What does an HO-1 Policy Cover?

what does an HO1 policy cover

If you are planning on buying a house, then you will most likely need to buy homeowners insurance. Given that your home is probably one of if not the single largest financial investment you will make, you want to make sure you are protected from risks like storms, injuries, theft, damage, and more.   Homeowners […]

What are DP Insurance Policies

what is a dwelling policy

When it comes to homeowner’s insurance, there are two major types of policies: homeowner’s policies and dwelling policies. Homeowner’s policies are for homeowners who live in their primary residence and include plans like HO-3 and HO-5 policies. Dwelling policies, on the other hand, are for a property that is not occupied by the owner. Since […]

What does an HO-3 Policy Cover?

An HO-3 policy is an official designation for what is known as “standards homeowners insurance.” HO-3 policies are normally the standard homeowner’s insurance plan because they offer a good mixture of coverage and benefits. We are going to cover the specifics of HO-3 policies and talk about their features, what the cover, and whether they […]

What Type of Homeowners Insurance Policy do I Need?

image of a home

When it comes to shopping for a homeowners’ insurance policy, you have a wide variety of options. Not only are there many home insurance providers, but there are also many types of homeowners insurance policies to choose from. While these types differ for those who own their home vs. those who rent their home, what’s […]

Policy Genius Review

policygenius review featured img

If you’re in the market for insurance and want to buy it fast, cheap, and from a highly-rated insurance company, Policy Genius is a great place to start and our Policy Genius Review should be the first step you take. It’s important, however, that you understand Policy Genius is not an insurance company but rather, […]

SelectQuote Company Review

selectquote company reivew

Let’s put first things first. SelectQuote is not an insurance company, but rather an insurance agency. This is a good thing for consumers because it means you can go to one resource for quotes from just about every life insurance company. SelectQuote is one of the largest insurance brokers in the country and it seems […]

Farmers Home Insurance | Product and Company Review

Farmers Home Insurance

Here is our take on Farmers homeowners insurance.   Certainly, there are a lot of home insurance companies out there vying for your business. Most of them have very similar rates and do a pretty good job providing customer service and claims service. If you watch any TV or surf the internet, then it’s very […]

Citizens Property Insurance

Citizens Property Insurance

Not every home purchase involves a home that is in great shape and ready to be occupied. And, in some cases, even though your home has earned a certificate of occupancy, the major home insurance companies continually cancel your policy after an inspection is completed. What happens when you own a home that the major […]

State Farm Homeowners Insurance

state farm homeowners insurance

Certainly, no legitimate homeowners insurance companies review without including State Farm homeowners insurance. When you consider advertising on TV, Google, Facebook, and Twitter, State Farm is everywhere.   However, being well-known doesn’t mean you’re insurance products are well-liked. In fact, just the opposite might be true because pricing, customer service, and claims service have little […]

Universal Property and Casualty Homeowners Insurance

universal property and casualty homeowners insurance

Most homeowners can tick off the top five or ten homeowners’ insurance companies when you ask them. Typically the top five they give are the insurance companies that advertise the most on TV or online.   But what happens when you are shopping for insurance and the top five’s rates are too high or your […]

Erie Homeowners Insurance – Product Review

Erie homeowners insurance

Homeowners’ insurance is important. After all, for most people, their home is their most valuable asset. Not just in dollar value but also in the value of memories as small families grow and children begin having children. Although Erie does not offer homeowners insurance nationally, if you live in a state they service, Erie homeowners […]

Liberty Mutual Homeowners Insurance

liberty mutual office bldg

In our continuation of providing information about the many insurance companies offering homeowners insurance, in this article, we present Liberty Mutual Homeowners Insurance. If you are purchasing a home and taking a mortgage on the transaction, your lender is going to require that you purchase homeowners’ insurance and in most cases, you’ll be required to […]

AAA Homeowners Insurance

AAA homeowners insurance

Whether you own your home outright or if you have a mortgage, it’s still likely that it’s your most valuable asset and as such, you should protect yourself from the risks of owning it. In this article, we’ll take a look at AAA Homeowners Insurance to help you make an informed decision about whether this […]

Nationwide Homeowners Insurance – Product Review

Nationwide Insurance Company headquarters

There are probably many Nationwide Homeowners Insurance reviews that can be found online but having one more is certainly not a bad thing. For most homeowners or “soon to be” homeowners, their house will likely be their most valuable asset and as such, it should be important to you to mitigate the financial risk associated […]

Allstate Homeowners Insurance

Allstate homeowners insurance

Without a doubt, when it comes to homeowners insurance, Allstate is certainly considered one of the big guns. Ask somebody to name the top five home insurance companies and it’s highly likely that Allstate will be among them.   In this article, we intend to provide the information you’ll need to make an informed decision […]

Progressive Home Insurance

Progressive home insurance offices

Certainly, most people have heard of Progressive Auto Insurance because we are regularly greeted by Flo and Jamie who spend a lot of time hawking Progressive on TV. They also remind us to “bundle” so that we can save money on home and auto insurance. So then, it’s logical that consumers would want to know […]

What is Loss of Use Coverage?

what is loss of use coverage

It’s interesting that when most people talk about homeowners’ insurance, they understand the coverage on their home and they understand the coverage on their personal property but when you bring up loss of use coverage, the conversation turns into a question and answer period, and that’s okay. Most homeowners are not aware of the loss […]

USAA Homeowners Insurance – Company Review

USAA Insurance

If you’re a first-time homebuyer or you’ve got a lot of experience with buying homes over your lifetime, you are most likely painfully aware of the research it takes to make certain you insure that home with a policy that delivers on value and affordability. If you are a service member, veteran, or family member […]

How much Homeowners Insurance do I Need?

how much homeowners insurance do I need

For most individuals and families across America, the home they own or plan to own will likely become their most valuable asset and as such, they must mitigate the financial risk that is associated with homeownership. This risk represents more than the cost to repair or replace your home and its contents but also represents […]

How Much Does Homeowners Insurance Cost?

how much does homeowners insurance cost

For homebuyers who are first-time buyers or homebuyers purchasing in a new state, or even if it’s been a while since you’ve owned a home, the cost of homeowners’ insurance has changed dramatically over the last two decades. Home insurance companies are reacting quicker than usual to claims from natural disasters and insurance commissioners in […]

Does Homeowners Insurance Cover Mold?

does homeowners insurance cover mold

If you’re a homeowner or rent a home, especially in states like Florida, Arizona, or California, you’ve likely smelled that distinctive odor of mold in the home and then you immediately begin to wonder does homeowners insurance cover mold?   In many cases, the odor is very subtle (especially if it hasn’t been there long) […]

What does Replacement Cost Mean in Homeowners Insurance

what does replacement cost mean feature image

When you shop for homeowners insurance, you’ll likely come across terms in the application that you may not understand. Terms like replacement cost, actual cash value, mitigation, loss of use, and depreciation are common for agents but may not be common for insurance shoppers.   Unless you pay cash for your home, you will be […]

What Does Homeowners Insurance Cover?

what does homeowners insurance cover

Do you know what homeowners insurance covers? If you are planning to purchase a home or you currently own a home, you must carry homeowners’ insurance if you have a mortgage. If you own your home outright, you’re not required to carry homeowners’ insurance but going without it means your home, which may likely be […]

Best Homeowners Insurance Companies for 2020

best homeowners insurance companies for 2019

Homeowners Insurance, it’s one of those things you have to deal with even before you close on your home. If you are going to mortgage your home purchase, you have to have homeowners insurance before you come to closing. No discussion, period. The good thing and bad about insurance companies that offer homeowner’s insurance is […]