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What does home insurance do and what's covered on a policy?
Is home insurance like car insurance or does it have different coverages?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Home insurance policies are considered package policies. This means that they are made up of more than one type of insurance. While basic car insurance is
liability car insurance
, basic home insurance policies contain six types of coverage.They are:
- Coverage A - Dwelling
- Coverage B - Other Structures
- Coverage C - Personal Property
- Coverage D - Loss of Use
- Coverage E - Liability
- Coverage F - Medical Payments to Others
With home insurance, you can purchase either an HO-2 or HO-3 policy. Each would contain the six coverages and they would be covered on a named (HO-2) or open perils (HO-3) basis. You also have the option to add specific endorsements like home business or personal injury.
Like car insurance, you have the ability to choose your coverage levels and policy limits. However, home insurance isn’t required by the state. Most lenders require home insurance to protect your home, and it’s recommended to have, but you can legally own a home without it.
If you’re looking to buy home insurance, see if your current car insurance company offers it. If they don’t, it might be time for a new provider. Use the
Jerry
app to compare quotes from dozens of reputable insurers that offer both car insurance and home insurance.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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