Coverage hub

Home Insurance Coverage Types

Choose the policy form that matches ownership and occupancy, then compare limits, settlement, deductibles, exclusions, and endorsements.

Last updated: August 11, 2026•Informational guidance

Choose by occupancy first

The nearest policy form depends on who occupies the property and how it is owned. Use the groups below to avoid comparing forms designed for different risks.

Owner-occupied homes

HO-3 homeownersCommon owner-occupied form and quote questions.HO-5 homeownersBroader property form comparisons.Older homesSystems, roof, code, and underwriting.New constructionClosing, construction, and final occupancy.High-value homesReconstruction, valuables, and special limits.Mobile homesForm, construction, anchoring, and eligibility.

Condo, townhome, and renters

HO-6 condoUnit coverage beside the master policy.Condo master policyAssociation and unit-owner boundaries.HO-4 rentersBelongings, loss of use, and liability.PUD and townhomeOwnership and association responsibilities.

Rental and special occupancy

DP-1Basic named-peril dwelling form.DP-2Broader named-peril dwelling form.DP-3 landlordRental dwelling and loss-of-rent questions.Landlord insuranceOwnership, tenants, and premises liability.Short-term rentalHome-sharing and business-use questions.Vacant homeVacancy definitions and restricted coverage.Seasonal homeOccupancy, winterization, and monitoring.

Separate policies and endorsements

Flood insuranceNFIP, private flood, maps, and exclusions.Earthquake insuranceSeparate coverage and deductibles.Water backupSewer, drain, and sump wording.Ordinance or lawCode-upgrade costs after covered damage.Scheduled propertySpecifically listed valuables.Umbrella liabilityExtra liability and underlying limits.Roof settlementACV, cosmetic damage, and schedules.