Compare Homeowners Insurance Rates

in FL, TX & TN


Payments as low as $62 per month

Is Your Home Covered?

Is your house or apartment covered? Homeowner’s insurance provides financial protection against disasters. Get an affordable quote now and protect your home and belongings.

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Homeowners Insurance

Cheap Homeowners Insurance in FL, TX & TN (HO1, HO2, HO3, HO5, HO8)

Don’t forget that water damage is one of the biggest insurance claims. Plumbing-related water damage accounts for 27% of homeowner claims filed each year. However, HOB provides additional perils as water damage protection that an HO3 does not provide.

If you have a mortgage on your property, your lender will require you to have insurance until the loan is paid off, as part of the loan agreement.

What We Will Cover

Some insurers offer discounts to homeowners in older homes who upgrade outdated roofs, walls, heating, electrical, or plumbing systems. Also, you may get a discount if you bundle your home and car insurance policy. You can get an affordable rate if you also have a vehicle policy or other insurance types with us.

If you own your home, you should consider one of the following policies – HO1, HO2, HO3, HO5, and HO8. If you live in a mobile home, then you should consider getting a mobile home insurance policy (HO7). You may need renters insurance if you rent a house, apartment, condo or mobile home. If you rent the property, then the right policy for you is an HO4.

What Perils Are Covered By Homeowners Insurance?

Some of the perils covered by the HO3 policy are Dwelling coverage, Other structures, Personal property, Loss of use, Fire, Personal Liability, and Medical payments to others.

What Perils Are Not Covered By Homeowners Insurance?

Some of the perils explicitly excluded by HO3 are war, government action, nuclear hazard, wear and tear, earthquake, landslide, water damage, and flooding damages.

Why You Should Get Homeowners Insurance From Us?

At Insurance Direct we shop multiple carriers to find you the best homeowner’s insurance rates in Florida, Texas & Tennessee that will save you time and money. Protect your property, house, home, and assets with cheap homeowners insurance. Get a free home insurance quote now and get financial protection against disasters.

Types of Property Insurance Policies

There are eight different types of homeowners insurance, each with their own specific coverage types.

HO1 is a basic property insurance policy with a limited amount of coverage. It protects your home from fire, windstorms, hail, or lightning.

The HO2 policy includes all damage covered by HO-1 as well as damages sustained from falling objects and water damage.

HO3 protects against sixteen of the most common perils. The policy will also cover personal belongings in the home. Some of the perils may be excluded such as earthquakes, floods, or nuclear accidents. Please make sure to check with our agency to find out which specific events are covered under your policy.

Renters Insurance (HO4) covers property in a rented home or apartment. It covers any damaged or stolen personal belongings as most insurance plans held by landlords won’t cover personal property losses. Please note that HO-4 does not cover damage to the property itself.

HO5 policy includes all damage covered by HO3, but HO5 is the most comprehensive homeowners insurance policy available. HO-5 covers personal property from just about any incident that could occur except for those that are specifically excluded.

HO6 policies are designed for owners of condos and tenants who live in co-ops. HO-6 policy generally covers the wall, ceiling, and floor of the residence as well. The HO6 policy is for condominiums, apartments, townhouses, or townhomes.

The HO7 is similar to the HO3 policy but is specifically designed for mobile homes, modular homes, park models, some manufactured homes, trailers, or tiny homes.

HO8 policies are designed for old homes and are reserved for landmarks or historically significant places. Homes that are older than 40 years old may be covered under this policy.

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