Compare Home Insurance by State—HO‑3, Condo, Renters & Landlord

Understand coverage types, how disasters change pricing, and the state rules that affect your premium.

Start with Coverage Types See Your State Guide Savings & Claims Guides

Popular State Guides

Florida
Hurricanes, roof age & availability
 Texas
Hail, wind, coastal exposure
 California
Wildfire & earthquake options
 New York
Downstate wind, co‑ops & condos

Coverage Types

HO‑3 Homeowners
Open‑peril dwelling, named‑peril contents
 HO‑6 Condo
Walls‑in + loss assessment
 HO‑4 Renters
Belongings + liability
 DP‑3 Landlord
Dwelling + landlord liability

Latest Guides

Inspection Checklist
What inspectors look for + prep list
 Claims Process
Step‑by‑step after a loss
 Flood vs Homeowners
What’s excluded & when to add flood

Provider Spotlight

How to Compare
Ratings, claims, discounts
 Provider A
Cat reinsurance + claims
 Provider B
Home/auto bundle
 Provider C
Condo & renters

FAQs

Is flood included?
No—usually separate via NFIP or private carriers.
Learn more →
How to lower premiums?
Bundle, raise deductibles, roof upgrades, security.
Learn more →
What about roof age?
Some policies pay ACV on older roofs.
Learn more →