HomeownersInsurance

The Most Authoritative Homeowners Insurance Information on the Web.

* Auto Insurance Quote * Home Insurance Quotes Homeowners Insurance Policy (HO-2) is the standard policy used in most states, HO-2 covers your house and its contents against 16 named perils.

* Home Insurance Quote Note that floods and earthquakes are not on the list of 16 perils. If you live in an area prone to either, you will need to buy a separate rider (special coverage). If you live where hurricanes pose a threat, you will need to buy a separate rider to cover wind damage.

* Homeowners Insurance Condo Owner Insurance Policy (HO-6) is similar to HO-4 but includes specific coverage of improvements to the condo owner's unit. Usually, the condo owners' association buys the insurance that covers physical structure damage due to the 16 named perils.