HOMEOWNERS INSURANCE

It’s a jungle out there. No matter where you decide to set up camp, PolicyApe offers coverage that ensures your home and everyone in it remain safe and sound.

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HOMEOWNERS INSURANCE

PROPERTY OWNERS

Buying a house is exciting—and expensive. Protect your investment with the right policy.

RENTERS

It’s not your house, but it’s still your home. Find peace of mind knowing everything in it is well-protected.

CONDO OWNERS

Co-ownership is tricky, but condo insurance doesn’t have to be. Find a policy that’s custom-built for the unique challenges of owning communal property.

MANUFACTURED HOME OWNERS

Whether you’re building a modular home or living the RV life full-time, unique housing scenarios call for unique home insurance.

LUXURY OWNERS

Extraordinary collections require more than ordinary coverage. Design a custom policy to cover high-ticket items like jewelry and art.

ARCHITECTURALLY SIGNIFICANT PROPERTY OWNERS

Your house just feels like home to you, but if it’s a historic or landmark property, it presents a unique insurance scenario. Get the right coverage for architecturally significant homes that are harder to replace or rebuild in case of incident.

WHAT SETS US APART?

Every insurance provider has limits to what they cover. With PolicyApe, you can choose your coverage from a wide variety of options across a broad array of carriers. Not only will you find the policy you need, but you can compare cost and quality to find the perfect provider for your needs.

JUST THE ESSENTIALS

A basic HO-1 policy covers the house and any attached structures, like appliances and carpeting.

JUST THE ESSENTIALS

A basic HO-1 policy covers the house and any attached structures, like appliances and carpeting.

COST-EFFECTIVE COVERAGE

Whether you’re filling the gaps in your existing insurance or simply cutting costs, don’t pay for more coverage than you need.

COST-EFFECTIVE COVERAGE

Whether you’re filling the gaps in your existing insurance or simply cutting costs, don’t pay for more coverage than you need.

NAMED PERILS PROTECTION

Different homes experience different risks. With an HO-1 policy, protect yourself against an explicit list of threats.

NAMED PERILS PROTECTION

Different homes experience different risks. With an HO-1 policy, protect yourself against an explicit list of threats.

COVER COMMON SCENARIOS

The most commonly named perils in an HO-1 policy include things like smoke, theft, fire, lightning, hail, explosions, and riots.

COVER COMMON SCENARIOS

The most commonly named perils in an HO-1 policy include things like smoke, theft, fire, lightning, hail, explosions, and riots.

PROTECT YOUR HOME AND EVERYTHING IN IT

With an HO-2 policy, you can protect the physical house, attached structures, and all of the possessions on your property—even items in your car.

PROTECT YOUR HOME AND EVERYTHING IN IT

With an HO-2 policy, you can protect the physical house, attached structures, and all of the possessions on your property—even items in your car.

RECOUP FINANCIAL LOSSES

When you put together your policy, you’ll choose the coverage limit that works for you. If an accident occurs, you’ll be able to recover the costs up to that amount.

RECOUP FINANCIAL LOSSES

When you put together your policy, you’ll choose the coverage limit that works for you. If an accident occurs, you’ll be able to recover the costs up to that amount.

SAFETY FOR YOU AND YOUR GUESTS

A broad form policy doesn’t just cover material things—it also provides liability coverage in case a visitor is hurt on your property.

SAFETY FOR YOU AND YOUR GUESTS

A broad form policy doesn’t just cover material things—it also provides liability coverage in case a visitor is hurt on your property.

IMPROVED PROTECTION

Get coverage for a list of named perils like those included in a basic policy, plus some additional scenarios like freezing pipes, falling objects, and plumbing incidents.

IMPROVED PROTECTION

Get coverage for a list of named perils like those included in a basic policy, plus some additional scenarios like freezing pipes, falling objects, and plumbing incidents.

THE MOST COMPREHENSIVE COVERAGE

An HO-3 special form policy covers the physical home and its contents, injury liability, and additional living costs and medical payments in the aftermath of a home incident.

THE MOST COMPREHENSIVE COVERAGE

An HO-3 special form policy covers the physical home and its contents, injury liability, and additional living costs and medical payments in the aftermath of a home incident.

PROTECTION AGAINST DEBT

When your home sustains major damage, it’s not just the replacement and repair that will cost you. If you were injured in the accident or you have to relocate while the home is being fixed, an HO-3 policy will cover living expenses and medical costs.

PROTECTION AGAINST DEBT

When your home sustains major damage, it’s not just the replacement and repair that will cost you. If you were injured in the accident or you have to relocate while the home is being fixed, an HO-3 policy will cover living expenses and medical costs.

OPEN-PERIL PROTECTION

Unlike HO-1 and HO-2 policies, special form insurance provides “open-peril” coverage. Instead of only covering a specific list of potential incidents, an HO-3 policy covers everything except a list of specific exclusions.

OPEN-PERIL PROTECTION

Unlike HO-1 and HO-2 policies, special form insurance provides “open-peril” coverage. Instead of only covering a specific list of potential incidents, an HO-3 policy covers everything except a list of specific exclusions.

LIMITED EXCLUSIONS

Typically, an HO-3 policy will cover damage from just about everything except a short list of items that either require a separate policy (like flooding or earthquakes) or things that are almost never covered by insurance (like wear and tear, infestation, and pet damage).

LIMITED EXCLUSIONS

Typically, an HO-3 policy will cover damage from just about everything except a short list of items that either require a separate policy (like flooding or earthquakes) or things that are almost never covered by insurance (like wear and tear, infestation, and pet damage).

PERMANENT COVERAGE FOR TEMPORARY LIVING

You may not own your house, but it’s still your home. Renter’s insurance covers your possessions, liability, and living expenses in case of damage that makes the home temporarily unlivable.

PERMANENT COVERAGE FOR TEMPORARY LIVING

You may not own your house, but it’s still your home. Renter’s insurance covers your possessions, liability, and living expenses in case of damage that makes the home temporarily unlivable.

SEPARATE YOUR LIABILITIES FROM YOUR LANDLORD’S

After a major incident, the last thing you want is to get dragged into an all-out war over who pays for what. With renter’s insurance, get specific coverage for named perils and leave the rest to the property owner.

SEPARATE YOUR LIABILITIES FROM YOUR LANDLORD’S

After a major incident, the last thing you want is to get dragged into an all-out war over who pays for what. With renter’s insurance, get specific coverage for named perils and leave the rest to the property owner.

PROTECT YOURSELF AGAINST NEGLIGENCE

When someone gets hurt in your home, it may not always be your fault—but that doesn’t mean you’re not liable. Renter’s insurance provides liability coverage in case you’re found negligent.

PROTECT YOURSELF AGAINST NEGLIGENCE

When someone gets hurt in your home, it may not always be your fault—but that doesn’t mean you’re not liable. Renter’s insurance provides liability coverage in case you’re found negligent.

COVER ALL OF YOUR PROPERTY

Renter’s insurance doesn’t just cover what’s physically in your home. If your car is parked on the property and someone breaks in and steals your possessions, your policy will cover the loss.

COVER ALL OF YOUR PROPERTY

Renter’s insurance doesn’t just cover what’s physically in your home. If your car is parked on the property and someone breaks in and steals your possessions, your policy will cover the loss.

PERSONAL COVERAGE FOR COMMUNITY PROPERTY

Condos can be tricky, since the property itself is co-owned by the owners of each dwelling. Condo insurance is more expansive than renters’ insurance, since it provides individual coverage for the residence as well as partial coverage for common areas and building grounds.

PERSONAL COVERAGE FOR COMMUNITY PROPERTY

Condos can be tricky, since the property itself is co-owned by the owners of each dwelling. Condo insurance is more expansive than renters’ insurance, since it provides individual coverage for the residence as well as partial coverage for common areas and building grounds.

HANDLE TRICKY CO-OWNERSHIP CHALLENGES

Typically, the HOA will have insurance for common grounds while individuals will have insurance for their own homes. But when one resident fails to maintain their plumbing and the resulting burst pipe floods the hallway, owners need insurance that’s specifically designed for condos and co-ops.

HANDLE TRICKY CO-OWNERSHIP CHALLENGES

Typically, the HOA will have insurance for common grounds while individuals will have insurance for their own homes. But when one resident fails to maintain their plumbing and the resulting burst pipe floods the hallway, owners need insurance that’s specifically designed for condos and co-ops.

APPEASE THE HOA

Even the most amiable communities can turn hostile in a liability dispute. With condo coverage, you can rest easy knowing that your insurance provider will handle the mess for you, and you can sit this fight out.

APPEASE THE HOA

Even the most amiable communities can turn hostile in a liability dispute. With condo coverage, you can rest easy knowing that your insurance provider will handle the mess for you, and you can sit this fight out.

THE SAME COMPREHENSIVE COVERAGE

Even though you don’t own your entire property, you’re still protected against all of the named perils that a standard homeowners’ policy covers, like fire, lightning, freezing pipes, smoke, theft, plumbing damage, and riots.

THE SAME COMPREHENSIVE COVERAGE

Even though you don’t own your entire property, you’re still protected against all of the named perils that a standard homeowners’ policy covers, like fire, lightning, freezing pipes, smoke, theft, plumbing damage, and riots.

ANCHORED COVERAGE FOR DYNAMIC HOUSING

An HO-7 policy covers manufactured homes, which include permanent structures like modular and sectional homes as well as more mobile housing units like trailers and RVs.

ANCHORED COVERAGE FOR DYNAMIC HOUSING

An HO-7 policy covers manufactured homes, which include permanent structures like modular and sectional homes as well as more mobile housing units like trailers and RVs.

COMBINED COVERAGE AGAINST COMMON RISKS

Insurance policies for manufactured homes provide a unique combination of open-peril coverage for the home’s structure and named peril protection for the home’s contents, liability, and medical and living expenses.

COMBINED COVERAGE AGAINST COMMON RISKS

Insurance policies for manufactured homes provide a unique combination of open-peril coverage for the home’s structure and named peril protection for the home’s contents, liability, and medical and living expenses.

PROTECTION FOR DETACHED STRUCTURES

Manufactured homes tend to come in more unique configurations, and therefore require more unique coverage. HO-7 coverage for housing structures covers the main home as well as detached structures on the same property.

PROTECTION FOR DETACHED STRUCTURES

Manufactured homes tend to come in more unique configurations, and therefore require more unique coverage. HO-7 coverage for housing structures covers the main home as well as detached structures on the same property.

NO ADDITIONAL COVERAGE EXCLUSIONS

Your home is unique, but your risks aren’t. The open peril coverage for housing structures that’s included in an HO-7 policy covers everything normal homeowners’ insurance covers, with a small list of exclusions for things like floods, earthquakes, neglect, and wear and tear.

NO ADDITIONAL COVERAGE EXCLUSIONS

Your home is unique, but your risks aren’t. The open peril coverage for housing structures that’s included in an HO-7 policy covers everything normal homeowners’ insurance covers, with a small list of exclusions for things like floods, earthquakes, neglect, and wear and tear.

GET YOUR QUOTE NOW

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