Compare Homeowners Insurance Quotes in Your Area Instantly

A necessary aspect of home ownership is to compare homeowners insurance quotes for the best rates. This can be done several times per year, and comparing companies can help get you the best coverage for the best price. But how can you possibly review all of the top property liability companies in the industry?

These days, that's easy. The Homeowners Insurance Geek allows you to review multiple quotes from leading companies at your own pace. Whether you're ready to purchase a policy from an insurance company or are just doing some initial research and comparison, you'll find that we can offer you the information you need to get informed about homeowners insurance.

The Best Rates, Right Away

The best thing about this type of comparison is the rates you can find; all of the companies listed here are competing for your business, and so all want to give you the best deal. So whether you want to know about the insurance prices for a new home, the best companies near you or the cheapest rates available, you can find that information here.

Get Quotes For All Seven Types Of Home Insurance Coverage

One of the most difficult choices to make when looking for homeowners insurance is deciding which policy fits your situation best. Here are the seven types of policies and their descriptions.

HO1 Basic Form insurance will offer protection from the 11 perils listed below. While contents are included in this coverage, they must be listed in detail.

  1. Fire or lightning
  2. Smoke
  3. Damage as a result of aircraft
  4. Windstorm or hail
  5. Explosion


  1. Breakage of glass located on the building
  2. Riot or civil commotion
  3. Damage as a result of vehicles
  4. Loss of property apart from premises but endangered by perils
  5. Theft
  6. Vandalism and malicious mischief


HO2 Broad Form insurance will protect you from 7 perils, in addition to the eleven covered by the HO1 policy:

  1.  Collapse of entire or part of building
  2.  Weight of ice, snow and sleet
  3.  Falling objects
  4.  Sudden and accidental damage and breakdown of a steam or hot water heating system or of water-heating appliances


  1.  Freezing of plumbing, heating and air conditioning systems and domestic appliances
  2.  Sudden and accidental damage from artificially generated currents to electrical appliances, devices, fixtures and wiring
  3.  Accidental discharge, leakage, or overflow of water or steam from within a plumbing, heating, or air conditioning system or domestic appliance


HO3 Special Form is the most common policy purchased by homeowners in America, with 87% of homeowners being protected under this policy type. HO3 is the most comprehensive policy type, usually purchased for single-family homes. This 'all-risk insurance' covers contents on a named peril basis for the perils listed above, but excludes perils like floods and earthquakes.

HO4 Renter's insurance provides coverage for those who are renting their home. This policy type covers personal property but does not cover the structure of the home they are renting. Contents in an HO4 policy are insured against the same perils listed in the HO2 and HO3.

HO5 Premier insurance offers protection of all of the perils listed in the HO3 Special Form, and additional, 'open' perils, as long as the peril hasn't been excluded specifically. Homeowners with an HO3 policy can obtain this coverage by adding an HO5 to their existing policy.

HO6 Condominium insurance involves the coverage of the deductible for a homeowners association in the event that your unity needs to be rebuilt due to weather or other peril.

HO8 Older Home insurance is for those owners who live in their older home and are in a situation where the cost to replace the home would be much greater than the property's market value.


When you compare homeowners insurance quotes with our helpful resource, it's easier to find reputable companies that can help you get the most coverage at the best rate for you. We hope you enjoy the free quotes you receive and the money you save!

Categories: Homeowners InsuranceFinding DiscountsUseful TipsHome Owners Insurance by CityNews