Homestate
WHEN THERE IS A HOME THERE IS SAFETY

In very broad terms, expect to pay about $35 per month for every $100,000 of home value, though it depends on your city and state. And of course the cost will vary by insurance company, so it pays to shop around for coverage.

Fire or smoke, Explosions, Lightning, Hail and windstorms, Theft, Vandalism, Damage from vehicles, Damage from aircraft, Riots and civil commotion, Volcanic eruption

Homeowners insurance is a form of property insurance that covers losses and damages to an individual's house and to assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

People looking to buy or bought a house

Falling objects, Weight of ice, snow, or sleet, Freezing of household systems like AC or heating

No

No

The HO-3 policy typically insures your home and attached structures (like a garage or deck), as well as your belongings and your personal liability if you accidentally injure someone or damage their property.

Aflac
Allstate
Statefarm

NO

This policy type is specifically for renters, since it covers only belongings and personal liability — not the building structure, which the landlord buys insurance for. Belongings are typically covered against the same perils as an HO-2 broad form homeowners insurance policy.

8 different types

Homeowners insurance companies

A comprehensive form policy is comprehensive, indeed, in that it often covers more perils than other types of policies. Just like a HO-3 form, a HO-5 is an open-peril policy form that can financially safeguard you against all perils unless your policy specifically excludes them in writing.