About HomeCover HQ
Measured renters and home insurance rates, plus licensed local agents
What is on this site
5 guides, each with its sources on the page , 443 answers to the questions around them , and the directory.
- Renters insurance: Renters insurance (an HO-4 policy) covers your belongings, your liability and your extra living costs after a covered loss, in a home you rent.
- Homeowners insurance: Homeowners insurance (most commonly an HO-3 policy) covers the house itself, your belongings, your liability and living costs if a covered loss makes the home unlivable.
- Condo insurance: Condo insurance (an HO-6 policy) covers the inside of your unit: interior finishes, your belongings, your liability and loss of use.
- Mobile home insurance: Mobile and manufactured home insurance covers the home, your belongings and your liability, priced for factory-built construction.
- Replacement cost coverage: Replacement cost coverage renters insurance (RCV) pays what it costs to buy your items new today; actual cash value (ACV) pays the same items minus depreciation.
Where the figures come from
NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.
Reach us
Contact for a question about the site, or enquiries@homecoverhq.com. The legal terms are on Terms and Privacy.