The most common type for single-family homes, covering the structure (dwelling), personal property, and liability. HO-5 is more comprehensive than the standard HO-3 policy.

Protects tenants' personal belongings and provides liability coverage, but does not cover the building structure — that responsibility falls to the landlord.

Covers the walls-in structure of a condominium, personal property, and liability, complementing the condo association's master policy.

Designed specifically for property owners who rent out residential units.

• Covers the building structure against damage from fire, storms, and other perils
• Includes liability protection against tenant or visitor injury claims
• Provides loss of rental income coverage when the property is uninhabitable
• Does not cover tenants' personal belongings — renters insurance is the tenant's responsibility

Specifically designed for manufactured or mobile homes, providing coverage tailored to their unique construction and installation requirements.

Protects buyers and lenders against defects in a property's title or ownership history.

• Owner's Policy — covers the buyer's equity in the property
• Lender's Policy — protects the mortgage lender's financial interest
• One-time premium paid at closing with no recurring costs
• Covers undisclosed liens, fraud, forgery, and clerical errors

Not included in standard homeowners policies and must be purchased separately.

• Primarily offered through the National Flood Insurance Program (NFIP)
• Covers structural damage and contents loss caused by flooding
• Required for properties in FEMA-designated high-risk flood zones
• Private flood insurance alternatives are increasingly available in the market

Excluded from standard homeowners and commercial property policies. Covers structural damage, personal property loss, and additional living expenses.

• Highly recommended in seismically active regions (California, Pacific Northwest, Alaska)
• California Earthquake Authority (CEA) is a major provider for residential coverage
• Deductibles are typically expressed as a percentage of the insured value

Specialized coverage for high-value items — jewelry, fine art, firearms, and collectibles — that standard policies may limit or exclude entirely.

Provides excess liability coverage beyond the limits of underlying policies.

• Particularly valuable for property owners with multiple real estate holdings
• Covers legal fees, judgments, and settlements exceeding standard policy limits
• Cost-effective way to substantially increase liability protection
• Applicable across both personal and investment properties

Used by real estate professionals — agents, brokers, and property managers — to protect against claims arising from mistakes, omissions, or negligence made during a transaction.

Covers structures under construction or significant renovation throughout the build period.

• Protects against loss from fire, wind, theft of materials, and vandalism
• Coverage typically ends once the structure is complete and occupied

Required by lenders when a borrower's down payment is less than 20% of the purchase price.

• Protects the lender, not the borrower, in the event of loan default
• Can typically be canceled once the loan-to-value ratio reaches 80%
• Costs are usually added to the monthly mortgage payment

Required on all FHA-backed loans regardless of down payment size. Protects the lender in the event of default and is added to the monthly mortgage payment.