Fast, free home insurance quotes for owner-occupied, secondary, rental, and investment properties. A+ rated carriers and competitive rates so your home stays protected.
You can get a free Home insurance quote from ZAV Agency in under 60 seconds by submitting the form above. A licensed agent contacts you the same day with quotes from multiple A+ rated carriers.
A standard home insurance (HO-3) policy covers the physical structure of your home, personal belongings, personal liability, and additional living expenses if you're displaced by a covered loss.
| Coverage (HO-3) | What It Pays For | Typical Limit |
|---|---|---|
| Coverage A — Dwelling | The physical house and attached structures | 100% replacement cost |
| Coverage B — Other Structures | Detached garages, fences, sheds | 10% of Coverage A |
| Coverage C — Personal Property | Furniture, clothing, electronics | 50-70% of Coverage A |
| Coverage D — Loss of Use | Hotel, meals, expenses if home unlivable | 20% of Coverage A |
| Coverage E — Personal Liability | Legal costs if someone is injured on your property | $100K-$500K standard |
| Coverage F — Medical Payments | Minor medical bills regardless of fault | $1K-$5K |
Standard home insurance policies do NOT cover flood damage — you need a separate flood insurance policy for that. Source: Insurance Information Institute (III).
ZAV Agency has been placing property owners with A+ rated carriers since day one. Whether it's your primary residence, a rental, or an investment property, we shop the market to find you the right coverage at the right price — fast.
“ZAV Agency shopped my homeowners policy across multiple carriers and saved me over $600 a year. Fast, professional, and the agent actually answered the phone.”
“Bought a rental duplex and needed a landlord policy the same week. They quoted me and bound coverage in two days. Highly recommend for investors.”
“Switched my home insurance to ZAV after my prior carrier non-renewed. They found me an A-rated carrier at a better rate. Great communication start to finish.”
Direct answer: Home insurance cost depends on rebuilding value, location, construction, deductible, claims history, selected limits, and insurer pricing, rather than one standard monthly price.
Request quotes using the same dwelling limit and deductible to compare policies fairly. Coastal exposure, roof age, protective devices, and prior claims can materially affect pricing. NAIC advises consumers to compare coverage and deductibles, not premium alone.
Direct answer: Standard homeowners policies commonly exclude flood, earthquake, normal wear, pest damage, and maintenance-related losses, although endorsements may change some exclusions.
Read the policy’s exclusions and deductibles before a loss; water backup and ordinance-or-law coverage are common optional considerations. Coverage for a sudden covered event differs from gradual deterioration. III confirms flood damage is excluded from standard homeowners insurance.
Direct answer: Rental properties need landlord insurance rather than an owner-occupied homeowners policy because the property, liability, and loss-of-rent exposures differ.
A landlord policy can insure the building, landlord liability, and lost rental income following a covered loss. Tenants should buy renters insurance for their own belongings and liability. NAIC homeowner guidance distinguishes property insurance needs by occupancy.
Direct answer: No, standard home insurance generally excludes flood damage; owners and renters need separate flood coverage through the NFIP or a private insurer.
Flood can occur outside high-risk areas, so lender requirements are not the only reason to consider protection. Ask whether building and contents limits match your property. FEMA explains that flood insurance is separate from a standard homeowners policy.
Direct answer: Yes, investment properties can be insured with landlord or dwelling-fire policies tailored to tenant occupancy, vacancy, liability, and loss-of-rent needs.
The right form depends on whether the property is rented long term, seasonal, vacant, or owner occupied part time. Disclose all occupancy details because a mismatch can affect claims. Compare replacement-cost and liability limits with a licensed agent.
Direct answer: Insurers calculate home insurance rates using rebuilding cost, location, roof and construction details, deductible, claims history, coverage limits, and available discounts.
A home’s market value is not the same as its insured replacement cost. Improving roof features, alarms, and wind mitigation documentation may affect eligibility or discounts. NAIC recommends reviewing limits as building costs and property conditions change.
Direct answer: Bring your current declarations page, mortgagee information, property details, prior claims history, and any inspection or wind-mitigation documents when switching carriers.
Your agent may also request photos, a roof permit, or proof of repairs based on the home and carrier. Keep the current policy active until the replacement policy is confirmed. Make sure the lender receives accurate evidence of insurance.