What We Cover

A condo policy (often called HO-6) picks up where your association's master policy leaves off — covering your unit's interior, your personal property, and your liability. If you're buying or already own a condo, it's worth confirming exactly where the association's coverage ends and yours needs to begin — then comparing it the same way you would any other policy.

Renters gets the same ranked comparison as any other line — and it's often the cheapest, most overlooked policy in a household, with many carriers offering a discount for pairing it with your auto policy. Moving is a natural moment to check whether you have it at all.

A high-value home is a different underwriting problem from a standard one, not just a bigger version of it. The carriers that specialise in it price on guaranteed replacement cost rather than a capped dwelling limit, schedule contents on an agreed-value basis, and have their own appetite for things like older construction, waterfront exposure, or a long list of scheduled items. Standard-market carriers often either decline the risk or cap it somewhere that leaves you underinsured.

Because the specialist market is a genuinely different set of carriers, it gets its own comparison rather than being folded into the homeowners podium.

If you own a property you rent out — a single unit, a duplex, a place you used to live in yourself — a standard homeowners policy usually isn't the right fit. Landlord (dwelling fire) coverage protects the structure and your liability as the owner; your tenant's belongings are covered separately, under their own renters policy. It's part of the picture the moment you become a landlord.

Flood damage is specifically excluded from a standard homeowners policy — it has to be purchased separately, typically through the NFIP or a private flood carrier. If you're near water or in a flood zone, it's worth confirming you actually have it rather than assuming your homeowners policy includes it.

Pet insurance covers unexpected vet bills — accidents, illness, sometimes wellness care — for a specialist visit or a procedure that can otherwise run into the thousands. It's an increasingly common line in a household budget, and we compare it on its own terms.

A motorcycle needs its own policy — your auto policy doesn't extend to it, and powersports carriers underwrite and price it on their own terms, with their own view of engine size, riding history, and seasonal use. It gets compared right alongside your car.

An RV is part vehicle and part dwelling, and it's priced that way — agreed value on the unit itself, plus contents and liability while you're parked and living in it. Full-time and occasional use are underwritten very differently, so it gets its own comparison rather than riding along on your auto policy.

Boats and personal watercraft carry their own policy, with terms no auto or home policy has an equivalent for — agreed value on the hull, lay-up periods over the winter, on-water towing, and a defined navigation area. In New England the lay-up terms in particular are worth reading closely.