Types of Home Insurance Policies (2022 Expert Guide)

There are many different types of homeowners' insurance. These types start with the code HO followed by a number that designates the type of coverage you need, for example, "HO7." If you just need basic coverage, you may get an HO1 home policy, which is the most expensive type of home insurance as it usually covers homes that aren't covered by a higher level of home insurance coverage.

UPDATED: Jul 27, 2022Fact Checked

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Deborah Goldberg is an insurance, finance, and homesteading expert who writes for Expert Insurance Reviews, Land Broker MLS, and other online publications. She has experience as an editor and offsite marketing specialist with Boostability. Specializing in online SEO and tech, she has been quoted in Pilotcore. She also researches and advocates on disability and accessibility topics. When not edi...

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Written by Deborah Goldberg
Insurance and Finance Writer Deborah Goldberg

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jul 27, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Jul 27, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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