About this service
Are you an insurance company?
No. HO3Quote is a request service. Licensed agents and insurers provide quotes and coverage.
Does it cost anything?
No. Requests are free.
What if I rent the house out?
A rented house usually needs a landlord or dwelling fire policy instead of an HO-3. Mention it on your request.
Who will contact me?
A licensed agent or partner who writes homeowners coverage may contact you as agreed on the form.
How do I stop contact?
Reply STOP to texts, ask the caller to stop, or use the privacy page form.
Coverage questions
Is flood covered by an HO-3?
No. Flood insurance is a separate policy, available through the National Flood Insurance Program or private insurers.
Should my dwelling limit equal my purchase price?
Not necessarily. Purchase price includes land and market factors; rebuilding cost can be higher or lower.
How do I cover expensive jewelry?
Schedule it with an endorsement or separate policy, which usually requires an appraisal or receipt.
Should I buy an umbrella?
Many homeowners with significant assets add a personal umbrella above home and auto liability.
Will an insurer cover a home with knob-and-tube wiring?
Some will not, and some will after an electrician's inspection. Disclose it up front.