Homeowners Insurance, Made Simple
From HO-3 to wind/hail and hurricane deductibles—compare coverage, see state requirements, and save. Start your quote now.
What Owners Get Wrong About Home Insurance
- Policy forms (HO-3 vs HO-5) — HO-5 can broaden open-peril coverage and personal property protection. See which form you qualify for.
- Dwelling vs Personal Property — Your structure and belongings are covered differently; limits and sub-limits matter. Compare coverage levels.
- Wind/Hail & Hurricane Deductibles — Some states use separate percentage deductibles for named storms. Check your state’s rules.
- Liability & Medical Payments — Affordable increases can protect against costly claims. Price higher limits.
- Endorsements — Water backup, equipment breakdown, scheduled jewelry, and more can close gaps. Add endorsements to your quote.
Coverage Types at a Glance
| Coverage Type | What It Covers | Good For |
|---|---|---|
| HO-3 | Open-peril dwelling; named-peril personal property. | Most single-family homes needing solid baseline coverage. |
| HO-5 | Broader open-peril for dwelling & personal property. | Newer homes or owners wanting fewer exclusions. |
| Endorsements | Water backup, equipment breakdown, scheduled items, etc. | Customizing gaps based on risks and valuables. |
Not sure what you need? Start a quick quote and compare.
What Affects Your Home Insurance Price?
- Location & weather — coastal or hail-prone areas may see wind/hail or hurricane deductibles.
- Dwelling value & materials — higher rebuild cost = higher premium.
- Claims history — prior losses can raise rates; mitigation helps.
- Roof age & type — newer impact-resistant roofs often reduce cost.
- Discounts — alarms, sprinklers, bundling home + auto, pay-in-full, and more.
Curious what you’d pay? Run a free quote.
Homeowners Insurance by State
State rules, wind/hail and hurricane deductibles vary. Choose your state, then get a quote.
Real-World Example
Sam’s roof was damaged by hail. His old policy had a higher wind/hail deductible and limited roof coverage. After switching through A Plus Insurance, he got a new policy with better roof terms and saved 12% with a home + auto bundle. Check your options.
Homeowners Insurance FAQs
What’s the difference between HO-3 and HO-5?
HO-3 typically covers the home (open-peril) and personal property (named-peril). HO-5 broadens personal property to open-peril and can include higher sub-limits. See which fits you.
How do wind/hail and hurricane deductibles work?
Some states use separate percentage deductibles for named storms or wind/hail events. Higher deductibles can lower premium but raise out-of-pocket costs at claim time. Compare options.
What discounts are available?
Bundling home + auto, monitored alarms, impact-resistant roofs, newer construction, claims-free, and pay-in-full are common. Check which you qualify for.
Do I need to schedule jewelry or collectibles?
High-value items often require scheduling for full coverage. A rider can raise limits and broaden perils. Add endorsements in your quote.
Compare Home Insurance Quotes Now
HO-3 or HO-5, wind/hail or hurricane deductibles—we’ll help you find the right fit. Start your quote online or call us.
Last Updated on by Jayleen Ridgeway