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At Insurance 360, we collaborate with leading insurance providers to bring you a variety of coverage options at exclusive rates.
Our expert agents work closely with you to identify the ideal policy that suits your needs, ensuring you’re fully covered in any situation.
Let us compare quotes from top-rated providers to find the best coverage for you. We'll guide you every step of the way and help you secure the right policy, giving you peace of mind that your home is properly protected. Here’s how it works:
Provide basic information about yourself and your home.
We’ll compare quotes from top-rated providers and present the best options available.
Choose the option that suits your needs, and we’ll help you secure your policy.
From breaking down confusing insurance jargon to answering all your questions, Insurance 360 is here to make your path to health coverage smooth and straightforward.
Start your application nowWhether you’re buying your first home or you’ve owned several, having the right insurance coverage is key to safeguarding your investment and providing peace of mind. Let’s go over some common questions and the four main types of policies to help you choose the best home insurance for your needs.
Homeowners insurance helps cover the cost to repair or replace your home and belongings in the event of disasters like fire, lightning, tornadoes, or other covered incidents.
Homeowners insurance is not a legal requirement, but most mortgage lenders will require you to have a policy before approving your home loan.
Home insurance generally covers your house, personal possessions, temporary living expenses if your home needs repair, and liability if someone is injured on your property.
Home insurance typically doesn’t cover flood damage, earth movements like earthquakes or sinkholes, certain dog breeds, damage due to neglect, pest problems, mold, power surges, nuclear risks, acts of war, government intervention, or business activities run from your home.
Actual Cash Value (ACV) is based on the current value of your property, factoring in depreciation. Replacement Cost Value (RCV) covers the cost to replace damaged items with new ones of equal quality, regardless of the item’s age or prior use.
Choosing the right homeowners insurance policy can be overwhelming due to the variety of options available. Here’s a simple guide to the four main types of policies to help you understand their coverage:
This policy provides coverage for your home and belongings against 16 specific risks, such as natural disasters, vandalism, theft, and snow or ice accumulation. Your Insurance 360 Advisor will refer to this as the HO-2 Basic Form.
This is the most common policy, covering your home, other structures on your property, personal belongings, personal liability, and more. Your Insurance 360 Advisor will call this the HO-3 Special Form.
Offering broader protection and higher coverage limits, this policy is similar to HO-3 but includes coverage for your personal belongings at replacement cost. Your Insurance 360 Advisor will refer to this as the HO-5 Comprehensive Form.
Designed specifically for older homes that would be difficult or impossible to replace if destroyed, this policy is tailored to meet the needs of vintage homes. Your Insurance 360 Advisor will call this the HO-8 Modified Coverage Form.
At Insurance 360, we believe that knowledge is key. That’s why we created Guided Insights. Explore our latest articles for easy-to-understand information about insurance, helping you make well-informed decisions about your coverage.
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