Category hub
Homeowners Insurance
Your home is likely your largest asset. Understand how to protect it from fire, theft, and natural disasters across the US.
US homeowners insurance is about more than just the structure of your house. It covers personal property, liability for accidents on your premises, and additional living expenses (ALE) if your home becomes uninhabitable. However, standard policies often exclude 'earth movement' and 'flood'.
This hub explains the different policy forms (HO-3 vs HO-5), the importance of Replacement Cost Value (RCV), and how to secure specialized riders for high-value items or regional risks like earthquakes and floods.
What you'll learn on this hub
- HO-3 vs. HO-5: Standard vs. Open Perils coverage
- The difference between Replacement Cost and Actual Cash Value
- Understanding Loss of Use (ALE) coverage
- Why you need separate Flood Insurance (NFIP)
- How to insure jewelry and high-value collectibles
- Renters Insurance (HO-4): Protecting your belongings as a tenant