Get the best home insurance coverage at the lowest rate.
Protect your biggest investment with a tailored plan to fit your needs and budget. $0 Fees. No obligation.
Home Insurance
Get the best homeowners insurance coverage at the lowest rate.
Protect your biggest investment with a tailored plan to fit your needs and budget. $0 Fees. No obligation.
We work with the best to get you the best.
Guided Solutions partners with top-rated insurance providers to offer you a range of coverage options. Our experienced agents work with you to identify the best plan to ensure that your home is protected, giving you peace of mind.
Protect your property with confidence.
Don’t settle for subpar homeowners insurance coverage. Let Guided Solutions compare quotes from top-rated providers to find the best coverage options for you.
We’ll guide you through the process and help you secure your policy, giving you peace of mind that your home and belongings are covered with the right level of protection.
Your roadmap to home insurance: Navigating the basics.
Whether you’re a first-time homeowner or a seasoned pro, having the right insurance coverage is crucial to protecting your investment and ensuring peace of mind. So let’s explore some frequently asked questions and the four basic policy types together and simplify the process of selecting the right home insurance policy for you!
What is homeowners insurance?
Homeowners insurance provides coverage to repair or replace your home and possessions after catastrophes like fire, lightning, tornado, or other covered event. Learn more.
Is homeowners insurance required?
Homeowner’s insurance is not required by law, but your mortgage lender will likely require you to have a policy in place before they will fund your home purchase. Learn more.
What does home insurance cover?
Home insurance typically covers your home, your possessions, temporary housing if your home needs to be repaired or rebuilt, and personal liability if someone gets hurt on your property. Learn more.
What does home insurance NOT cover?
Home insurance doesn't cover floods, earth movements (earthquakes, landslides, sinkholes), certain dog breeds, damage from neglect, pest infestations, mold, power surges or outages, nuclear hazards, acts of war, government action, or home-based business operations. Learn more.
What is Actual Cash Value vs Replacement Cost Value?
Actual Cash Value (ACV), aka market value, is based on depreciation and covers the cost to replace your property for what it's worth today. RCV (Replacement Cost Value) replaces damaged items with new ones of the same quality, regardless of their age or previous use. Learn more.
Types of homeowners insurance.
With so many types of homeowners insurance available, it can be overwhelming to choose the right policy. Here’s a break down of the four basic policy types to help you understand their coverage.
The Basic Home Insurance Policy
Protects your home and belongings against 16 perils including: natural disasters, vandalism, theft, and the weight of snow or ice. Your Insurance Advisor will refer to this coverage as HO-2 Basic Form.
The Most Common Home Insurance Policy
Covers your house, other structures on your property, your personal belongings, personal liability, and more. Your Insurance Advisor will refer to this coverage as HO-3 Special Form.
Comprehensive Home Coverage
Provides broader protection and higher coverage limits. Though it's similar to HO-3, it covers your personal belongings at replacement value. Your Insurance Advisor will refer to this as HO-5 Comprehensive Form.
Older Home Coverage
Designed for much older homes that would be almost impossible to replace if destroyed. Your Insurance Advisor will refer to this coverage as HO-8 Modified Coverage Form.
Want a deeper dive? Read our comprehensive home insurance guide.
Maximizing your home insurance coverage.
Protecting your home is crucial, and having the right insurance coverage is essential to safeguarding your investment. But are you getting the most out of your policy?
Home Insights offers expert tips on how to maximize your home insurance coverage. From policy limits to coverage gaps, we’ll help you make informed decisions and ensure your home is fully protected.
The Guided Solutions Glossary of Insurance Terms
Insurance can be complex and overwhelming for those unfamiliar with the industry. It’s important to have a clear understanding of
Moving? Make sure insurance is on your home-buying checklist
Ensure a worry-free move! Add insurance to your home-buying checklist and safeguard your new investment.
Does homeowners insurance cover HVAC and AC units?
Wondering if your homeowners insurance covers HVAC and AC units? This blog post explores the ins and outs to give you the answers you need.
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