Coverage

Property Insurance Coverage — What We Help You Compare in 2025

Protecting your property starts with choosing the right type of insurance coverage.
HouseInsurance.io helps homeowners, renters, condo owners, landlords, and property investors compare real coverage options available for their ZIP code and state.

This page explains every major type of property insurance so you know exactly what each policy includes, who it’s for, and what it protects.

Why Understanding Your Coverage Matters

Insurance policies may look similar, but they protect your home in very different ways.
Some cover the structure of your home, others cover your belongings, and some protect you from liability, floods, or tenant-related damage.

Choosing the right coverage helps you:

  • avoid overpaying for insurance you don’t need
  • prevent costly gaps in protection
  • stay financially protected after storms, fires, theft, or accidents
  • meet lender requirements (mortgages, refinancing, HELOCs)

Every property is unique — and so are your coverage needs.

Types of Property Insurance We Help You Compare

1. Homeowners Insurance (HO-3)

The most common and comprehensive coverage for single-family homes.

What HO-3 insurance covers:

  • damage from fire, windstorms, hurricanes, hail, smoke, theft, vandalism
  • the structure of your home
  • personal belongings
  • detached structures (garage, shed, fence)
  • liability protection
  • additional living expenses (if your home becomes uninhabitable)

Best for:

✔ primary residences
✔ family homes
✔ buyers with mortgages

2. Condo Insurance (HO-6)

Protection for condo and townhouse owners.

Covers:

  • interior walls, floors, cabinets, appliances
  • personal belongings
  • liability protection
  • improvements not covered by your HOA
  • additional living expenses after a loss

Best for:

✔ condo owners
✔ townhomes
✔ properties with HOA policies

3. Renters Insurance

Affordable protection for tenants.

Covers:

  • personal belongings
  • theft
  • fire and smoke damage
  • water damage (non-flood)
  • liability
  • hotel or rental costs if your unit becomes unlivable

Best for:

✔ apartment renters
✔ students
✔ shared living spaces

4. Landlord / Rental Property Insurance (DP-3)

Insurance designed for people who rent out property to tenants.

Covers:

  • home structure
  • liability
  • tenant-caused damage
  • vandalism
  • storm and fire damage
  • loss of rental income after a covered event

Best for:

✔ landlords
✔ Airbnb/short-term rental hosts
✔ investment properties

5. Mobile & Manufactured Home Insurance

Covers:

  • hurricane and windstorm damage
  • theft
  • fire and smoke damage
  • liability
  • attached structures (porches, decks, carports)

Best for:

✔ mobile homes
✔ modular homes
✔ older manufactured homes

6. Flood Insurance (NFIP & Private Flood)

Important: standard home insurance does not cover flood damage.

We help you compare:

  • FEMA/NFIP flood insurance
  • private flood policies
  • hurricane storm-surge coverage

Best for:

✔ Florida
✔ coastal areas
✔ flood zones A, AE, VE

7. Commercial Property Insurance

For businesses, landlords, and commercial buildings.

Covers:

  • building damage
  • equipment and contents
  • fire, storms, theft
  • liability
  • business interruption

Best for:

✔ stores
✔ offices
✔ warehouses
✔ rental buildings

8. Optional Add-Ons & Extra Protection

You can compare additional coverage such as:

  • water backup & sewer overflow
  • sinkhole protection
  • earthquake insurance
  • extended replacement cost
  • inflation protection
  • identity theft
  • umbrella liability
  • jewelry/electronics riders

Depending on your area, these options may be essential.

Compare Property Insurance Options for Your ZIP Code

Enter your ZIP code to see real coverage options from licensed U.S. insurers serving your area.

➡ Start Your Home Insurance Search

Related Guides

  • Why homeowners choose us → /why-choose-us
  • How it works → /how-it-works
  • Frequently asked questions → /faq