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🏠 Quick question: Do you know what type of homeowners insurance you actually have?

Most people say "yes" — but when asked to name it, they go quiet. 🤔

There are 8 types of homeowners insurance policies (HO-1 through HO-8), and the one you have makes a BIG difference in what gets covered when something goes wrong.

Here's the quick cheat sheet:

🟥 HO-1 — Bare bones. Structure only. Rarely sold anymore.
🟧 HO-2 — Broader coverage, still limited to named perils.
✅ HO-3 — The industry standard. What 78% of homeowners have.
🏢 HO-4 — Renter's insurance. Covers YOUR stuff, not the building.
💎 HO-5 — The most comprehensive. Best for high-value homes.
🏙️ HO-6 — Condo owners. Covers your unit + belongings.
🚚 HO-7 — Mobile & manufactured homes.
🏛️ HO-8 — Historic & landmark homes. (Our agents' favorite — the stories are wild!)

Not sure which one you have? Pull out your policy and look for "HO-" followed by a number. If it says HO-3 — you're with the majority.

📖 Read our full guide — we promise to make it entertaining:

Not sure if your policy gives you the right coverage? Compare quotes at eInsurance.com 🏡

💬 Which HO policy do you have? Drop it in the comments — let's see what our community is covered by! 👇

8 Types of Homeowner’s Insurance: The Ultimate Guide - EINSURANCE Most US consumers are shopping for HO-3 policies. They are the most popular type of home insurance coverage for a single-family home.

Prescription costs getting out of hand? Try these tips!

🏠 Attention seniors — are you overpaying for homeowners insurance?

With rising premiums and fixed incomes, every dollar counts. The good news: there are 14 proven strategies that can bring your costs down significantly — and most people only know about 2 or 3 of them.

Here are some that might surprise you:

💰 Ask for your Senior Discount — many insurers offer 10–25% off for homeowners over 55. Most people never ask!
💳 Pay annually instead of monthly — insurers reward lump-sum payments with a 5–10% discount
🏚️ Gated or retirement community? Ask about a community safety discount — up to 5% or more off
🔧 Home upgrades like security systems, smoke detectors & storm-resistant roofing can lower your rate
📦 Bundle home, auto & life insurance with one carrier for multi-policy savings
🚫 Avoid small claims under $1,000 — pay out of pocket to protect your premium history
📝 Annual policy reviews catch outdated coverage and over-insurance — both cost you money

And that's just 7 of the 14 strategies our licensed agents have outlined.

📖 Read all 14 tips here — built specifically for senior homeowners:

Compare home insurance quotes at eInsurance.com 🏡

💬 Share this with a senior homeowner in your life who could use the savings! 👇

14 Ways for Seniors to Save Money on Homeowners Insurance We offer 14 practical strategies and discounts ideas that will keep home insurance costs under control in this volatile marketplace.

🏠 You just filed a $100,000 home insurance claim.

But instead of a $100,000 check — you only get $85,000.

Why? Because of the 80% Rule — and most homeowners have never even heard of it.

Here's how it works:

Your home insurance must cover at least 80% of your home's REPLACEMENT COST — not its market value, not what you paid for it — what it would cost to rebuild it from scratch TODAY.

If you fall below that 80% threshold, your insurer will only pay a portion of any claim. Even a partial loss.

⚠️ The sneaky ways homeowners accidentally fall below 80%:

🔨 Renovated your kitchen, bathroom, or added a deck? Your replacement cost went up — did your coverage?
📈 Construction costs and labor have surged — your old coverage limit may now be too low
⏳ Simply not reviewing your policy in years

Real example: A home with a $500,000 replacement cost requires at least $400,000 in coverage. If you only carry $350,000 — a $200,000 claim could leave you $30,000+ short.

📖 Our licensed agents explain the full rule, the math, and exactly how to protect yourself:

Compare home insurance quotes at eInsurance.com 🏡

💬 When did you last review your home insurance coverage? This year, a few years ago, or never? Tell us below! 👇

How the ‘80% Rule’ Impacts Your Home Insurance: A Complete Guide to Avoiding Costly Mistakes - EINSURANCE The 80% Rule suggests that your homeowner’s insurance needs to cover at least 80% of the total replacement cost of your home’s current value.

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