Home insurance, without the headache
What a policy covers, what moves the price, and how to pay less, in plain words. And when you're ready, real quotes in about 2 minutes.
Guides
Cheap home insurance that still protects you
The savings levers that actually work (shopping around, deductibles, bundling, real discounts), with the trade-offs stated plainly. No gimmicks.
How to shop for home insurance
Who actually requires home insurance, what moves the price, and how to compare quotes apples to apples. In plain words, with no scare tactics.
What home insurance covers
The anatomy of a homeowners policy in plain words (dwelling, contents, loss of use, liability), plus the key terms and what standard policies leave out.
Coverage types, explained
Earthquake insurance, explained
Why standard home policies exclude earthquakes, how percentage deductibles work in plain terms, and who should weigh a separate earthquake policy.
Flood insurance, explained
Why standard home policies exclude flood, how NFIP and private flood insurance work, the 30-day waiting period, and who should consider coverage.
HO-1 basic form, explained
What an HO-1 basic form policy covers, why most insurers stopped selling it, and what to look at instead. A plain-words glossary entry from Quoteble.
HO-2 broad form, explained
How an HO-2 broad form policy works, the named perils it covers, and how it compares to an HO-3. A plain-words glossary entry from Quoteble.
HO-3 special form, explained
The HO-3 is the standard homeowners policy. What open perils means, how contents are covered, and the exclusions to know. Plain words from Quoteble.
HO-4 renters insurance, explained
What an HO-4 renters policy covers (belongings, liability, and loss of use), why the landlord's policy doesn't protect you, and why it costs so little.
HO-5 comprehensive form, explained
The HO-5 covers both your home and your belongings on an open-perils basis. How it differs from an HO-3 and who the upgrade suits. Plain words from Quoteble.
HO-6 condo insurance, explained
How an HO-6 condo policy works with your HOA's master policy, what walls-in coverage means, and why loss assessment coverage matters.
HO-7 mobile home insurance, explained
Why standard homeowners forms don't fit mobile and manufactured homes, and how the HO-7 adapts coverage for them. A plain-words glossary entry from Quoteble.
HO-8 insurance for older homes, explained
How the HO-8 modified coverage form insures older and historic homes when rebuild costs far exceed market value, and what repair-cost basis means for claims.
Medical payments coverage, explained
How guest medical payments (Coverage F) works on a home policy, plus how this small no-fault coverage for injured guests differs from liability.
Ordinance or law coverage, explained
How ordinance or law coverage pays for required code upgrades after a covered loss, why older homes need more of it, and where standard policies fall short.
Other structures coverage (Coverage B), explained
What Coverage B protects (fences, detached garages, sheds), how the typical 10%-of-dwelling limit works, and when it's worth raising.
Replacement cost vs actual cash value, explained
The difference between replacement cost, actual cash value, and extended or guaranteed replacement cost, and how each applies to your home and belongings.
Umbrella liability insurance, explained
How a personal umbrella policy adds liability protection above your home and auto limits, when it makes sense, and what underlying limits insurers require.
Water backup coverage, explained
What the sewer and sump backup endorsement covers, how it differs from flood insurance and burst-pipe coverage, and why this small add-on earns its keep.
Fair questions
What actually drives a home insurance premium?
What it would cost to rebuild your house (not its market value), along with the home's age, its roof and systems, the deductible you choose, and where it sits.
Is replacement cost the same as my home's price?
No. Replacement cost is what rebuilding your house would take, not what it would sell for, which is why your coverage does not track the housing market.
Do I need flood coverage separately?
Standard homeowners policies don't cover flood. It takes a separate policy, through the National Flood Insurance Program (NFIP) or a private insurer, and it is worth checking your flood zone either way.
Does bundling home and auto actually help?
Often, but not always. Compare the bundled price against the best separate policies for each before deciding. Sometimes the bundle wins, sometimes it doesn't.
Ready to compare?
Answer a few easy questions in about 2 minutes.