Compare Explore Coverage
Primary Coverage Focus

Protect Your Home. Feel More at Home.

Explore home insurance options designed around your property, your belongings, and the protection that matters to you.

Explore Home Insurance Compare Coverage Options
Dwelling & Possessions
Personal Liability
Loss of Use Protection
Photograph of an attractive American single-family suburban home with landscaped front yard and porch
Important Coverage Distinction: Renters policies do not insure physical structures; homeowners policies do not automatically cover rental businesses; landlord policies are needed for tenant-occupied properties.
Review Key Differences
Coverage Portfolio

Insurance Designed Around How You Live and Drive

Explore owner-occupied home protection, apartment and tenant coverage, landlord property protection, and personal automobile insurance.

Primary Business Focus
Home icon

Homeowners Insurance

Comprehensive dwelling and personal property coverage for eligible owner-occupied single-family homes, townhouses, and qualifying residences. Safeguard your family's biggest investment against fire, wind, theft, liability, and unexpected losses.

  • Dwelling Protection (Coverage A): Rebuilding or repairing the physical house structure.
  • Personal Belongings (Coverage C): Furniture, electronics, clothing, and everyday items.
  • Personal Liability (Coverage E): Legal defense and settlement costs if someone is injured on your property.
  • Loss of Use (Coverage D): Temporary living costs if covered damage leaves your home uninhabitable.
Illustrative Reference
$25/mo starting ref*

Who Is This For?

Homeowners who own and live in their primary residence. Requires proof of ownership and underwriting inspection based on state guidelines.

Important Policy Boundary: Standard homeowners insurance excludes flood and earthquake events (which require separate policies) and does not cover commercial rental operations.
View Complete Policy Details →
Popular for Tenants
Renters icon

Renters Insurance

Essential personal belongings and liability protection for eligible tenants leasing an apartment, rental house, or condo.

  • Personal Property: Clothes, tech, furniture against fire, theft, smoke.
  • Tenant Liability: Accidental property damage or injury claims.
  • Temporary Living: Relocation help during repairs.
Note: Renters insurance does NOT cover the physical building structure.
Market Reference
$5/mo ref*
Explore Renters
Property Owners
Landlord icon

Landlord Insurance

Dedicated dwelling and liability coverage for owners leasing residential properties to tenants. Covers structure and rental loss.

  • Dwelling Structure: DP-1, DP-2, or DP-3 building protection.
  • Loss of Rent: Replaces lost rental income during covered repairs.
  • Landlord Liability: Defense against tenant or visitor injury claims.
Note: Standard homeowners policies do not cover tenant-occupied rentals.
Pricing Status
Quote Required
Explore Landlord
Secondary Product
Car icon

Car Insurance

Personal automobile coverage options tailored to your driving habits, vehicle model, state minimum requirements, and budget.

  • Liability: Bodily Injury and Property Damage state-mandated limits.
  • Vehicle Damage: Collision and Comprehensive coverage options.
  • Driver Protections: PIP, MedPay, Roadside Assistance & UM/UIM.
Note: Commercial auto & non-owner auto require separate underwriting.
Market Reference
$30/mo ref*
Explore Auto
Market Reference Figures

Illustrative Pricing & Feature Comparison

Review design-reference pricing figures and compare coverage scopes across homeowners, renters, landlord, and personal auto insurance.

Homeowners

Owner-occupied single family homes & townhomes
$25 /month*
Illustrative starting reference
  • Dwelling Structure (Coverage A)
  • Other Structures (Coverage B)
  • Personal Possessions (Coverage C)
  • Loss of Use (Coverage D)
  • Personal Liability (Coverage E)
Explore Homeowners

Renters

Tenants leasing apartments, homes, or condos
$5 /month*
Illustrative starting reference
  • Tenant Personal Belongings
  • Tenant Liability Protection
  • Additional Living Expenses
  • Replacement-Cost Options
  • No Building Structure Coverage
Explore Renters

Car Insurance

Drivers seeking state liability or physical protection
$30 /month*
Illustrative starting reference
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision & Comprehensive (Opt)
  • Uninsured Motorist (UM/UIM)
  • Roadside Assistance (Opt)
Explore Auto

Landlord

Property owners leasing 1-4 unit residential rentals
Quote Required
Underwriting verified individually
  • Rental Dwelling Structure (DP-3)
  • Fair Rental Value (Lost Rent)
  • Premises Landlord Liability
  • Vandalism & Burglary Endorsements
  • Single & Multifamily Eligible
Explore Landlord
*IMPORTANT PRICING & REGULATORY DISCLAIMER: These prices originate from industry competitor market benchmarks and do not represent verified Veritty premiums. Veritty does not guarantee these rates, provide insurance policies directly, or act as an insurer or underwriting producer. All rates, eligibility, deductible choices, and coverage limits depend entirely on authorized third-party carriers, individual property inspections, driving histories, and state regulatory requirements. For an actual quote, please connect with an authorized licensed partner.

Coverage Feature Comparison

Coverage Feature Homeowners Renters Landlord Car Insurance
Physical Structure / Dwelling Standard (A) Not Included Standard Not Applicable
Tenant Belongings / Personal Property Standard (Owner) Standard (Tenant) Landlord Items Only Not Applicable
Premises / Personal Liability Standard (E) Standard Standard See Auto Liability
Loss of Use / Living Expenses Standard (D) Standard Not for Landlord Not Applicable
Fair Rental Income Replacement Not Included Not Applicable Standard Not Applicable
Bodily Injury & Property Damage Home Only Home Only Premises Only Standard (Auto)
Collision & Comprehensive Not Applicable Not Applicable Not Applicable Optional Add-On
Water Backup / Vandalism Endorsement Optional Optional Optional Insurer Dependent
Simple Process

How Veritty Works

We simplify navigating US property and auto insurance by providing clear comparisons, coverage education, and seamless connections to authorized partners.

1

Select Your Property or Vehicle

Identify whether you need owner-occupied home protection, tenant coverage, residential rental property coverage, or personal vehicle insurance.

2

Review Coverage Priorities

Learn exactly what each policy covers and excludes. Compare standard limits, deductibles, endorsements, and replacement cost options.

3

Connect with Verified Providers

Request guidance or connect with licensed, authorized carriers and affiliate partners operating in your specific state.

Got Questions?

Frequently Asked Questions

Common questions regarding homeowners, renters, landlord, and car insurance coverage.

What is the difference between homeowners and renters insurance?
Homeowners insurance protects both the physical building structure (the dwelling) and your personal possessions, along with comprehensive personal liability. Renters insurance protects only the tenant's personal property, personal liability, and temporary loss of use. Renters insurance never covers the physical apartment or building structure.
Can I use a regular homeowners policy for my rental property?
No. A standard homeowners policy (such as an HO-3) requires owner-occupancy. If you lease the property to long-term or short-term tenants, claims may be denied. You must secure a dedicated landlord insurance policy (often called a DP-3 or dwelling fire policy) which includes coverage for landlord liability and lost rental income.
What does "Full Coverage" auto insurance actually mean?
"Full coverage" is an informal industry term, not a single standardized policy. It generally refers to a combination of state-required liability insurance (bodily injury and property damage) plus collision coverage (damage to your car from an accident) and comprehensive coverage (damage from theft, weather, vandalism, or animal collisions).
Are flood and earthquake damage covered under standard homeowners insurance?
Standard homeowners and renters policies almost universally exclude flood damage and earthquake movements. Flood coverage must be purchased through the National Flood Insurance Program (NFIP) or private flood insurers, and earthquake protection requires a separate endorsement or specialized policy.
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Veritty is an independent consumer information and comparison resource. When visitors click certain links, request quotes, or purchase insurance products through our verified affiliate partners, Veritty may receive marketing compensation or referral commissions. Please read our Affiliate Disclosure for details.
Get In Touch

Connect with Bruce Hoeger & the Veritty Team

Have questions about coverage limits, property eligibility, or finding verified partner insurers in your state? We are here to help.

  • Office Address
    Veritty
    Attn: Bruce Hoeger
    761 Boston Post Rd
    Madison, CT 06443, United States
  • Email Inquiries
    affiliate@veritty.org
Notice: Inquiries are responded to during regular business hours (Eastern Time). For emergency property claims, contact your policy underwriter directly.

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