Compare policy forms, standard coverages, liability protections, deductibles, and optional endorsements across all primary American insurance categories.
Toggle between property insurance and auto insurance options to explore real-world coverage components, deductibles, and eligibility considerations.
| Coverage Dimension | Homeowners (HO-3/HO-5) | Renters Insurance (HO-4) | Landlord Policy (DP-3) |
|---|---|---|---|
| Target Policyholder | Owner-occupants of single-family homes, townhomes, or duplexes. | Tenants leasing apartments, condominiums, or single-family rental homes. | Property investors and landlords renting properties to residential tenants. |
| Dwelling Structure (Coverage A) | Included (Replacement Cost) Covers exterior walls, roof, foundation, built-in systems. |
Not Included Building structure is insured exclusively by property owner. |
Included (Core Coverage) Insures physical rental building against named perils or open perils. |
| Other Structures (Coverage B) | Included (Typically 10% of A) Detached garages, sheds, fences, retaining walls. |
Not Included | Optional Endorsement Can be added for detached tenant storage units or fences. |
| Personal Belongings (Coverage C) | Included (50%–70% of A) Furniture, electronics, clothing, kitchenware anywhere in the world. |
Included (Core Coverage) Tenant chooses custom limit (commonly $15,000 to $60,000). |
Landlord Furnishings Only Only covers landlord-owned appliances, maintenance equipment. Does not cover tenant belongings. |
| Loss of Use / Living Expenses | Included (20%–30% of A) Reimburses hotel bills, meals, and extra costs if home is uninhabitable. |
Included (Typically 20% of C) Reimburses temporary housing and relocation while rental is repaired. |
Not Applicable for Landlord Landlord does not live on premises. |
| Loss of Rental Income (Fair Rental Value) | Not Standard | Not Applicable | Included (Coverage D) Replaces lost tenant rent while building undergoes covered repairs. |
| Personal Liability Protection | Included ($100k–$500k standard) Protects against lawsuits for dog bites, visitor slip-and-falls, property damage. |
Included ($100k–$300k standard) Covers accidental damage to rental unit or neighbor property (e.g. bathtub overflow). |
Requires Premises Liability Commercial landlord premises liability must be attached. |
| Medical Payments to Guests | Included ($1,000–$5,000) No-fault medical bill coverage for injured visitors. |
Included ($1,000–$5,000) | Optional Endorsement |
| Water Backup & Sump Overflow | Endorsement Required Standard HO-3 policies exclude sewer and drain backups unless added. |
Optional Endorsement | Endorsement Required |
| Standard Deductible Structure | $1,000 to $2,500 standard. Wind/Hail or Hurricane may have separate 1%–5% percentage deductible in coastal areas. | $250 to $500 flat deductible per claim. | $1,000 to $5,000 per occurrence. |
| Auto Insurance Cross-Comparison |
Looking for Automobile Coverage Comparison? Personal auto policies operate under distinct state statutes. Mandatory liability limits (e.g., 25/50/25), personal injury protection (PIP), collision, and comprehensive coverage are evaluated on our dedicated auto options page. View Auto Coverage Limits & Options Matrix → |
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Always confirm whether your personal belongings are covered under Replacement Cost Value (RCV) or Actual Cash Value (ACV). ACV deducts depreciation for age, meaning an 8-year-old laptop will only reimburse a fraction of buying a new one.
An HO-3 policy covers the dwelling structure on an "open perils" basis (covered unless explicitly excluded), while personal property is covered on a "named perils" basis (covered only for specific listed causes like fire, theft, smoke, or hail).
No standard homeowners, renters, or landlord policy covers rising floodwaters or seismic earthquake activity. Homeowners in FEMA floodplains or earthquake fault zones must secure separate NFIP or specialty policies.
