Home Insurance

Home is where the heart is, not to mention all your stuff, so keep it protected.

We’ll shop for you, compare rates and deliver you the best policy options to safeguard your home.

Home Insurance

Home is where the heart is, not to mention all your stuff, so keep it protected.

We’ll shop for you, compare rates and deliver you the best policy options to safeguard your home.

Insurance advice you can trust.

Guided Solutions was created by entrepreneurial insurance experts to better serve and educate everyone about the importance of good coverage. We’re passionate about helping our customers make the right insurance decisions so that, no matter what life throws their way, they can stress less and live more knowing they’re well protected. 

We shop for you.

Stop wasting time comparing insurance options online. Let us do that for you.

First, we compare home insurance from both major and local carriers. Then we present you with the best options – same day, free of charge.

All we need from you is a little info to get started.

Here's what you need to know about homeowners insurance.

Home insurance can be complicated. Check out the top 3 questions we get asked most frequently. Have one that’s not listed? Contact us.

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.

Is homeowners insurance required?

There are no laws requiring homeowners to have insurance. However, to get a mortgage, you are required by your lender to acquire home insurance coverage.

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.

Types of home insurance.

As we said, home insurance is complex. So let’s break it down to the four basic policy types.

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.

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, while Replacement Cost Value (RCV) helps replace your property without deducting for depreciation.

Keeping your home safe.

Want more insight? Read our Home Insights blog.

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