An HO3 policy is a few hundred decisions pretending to be one product. We rate the majors — Safeco, Travelers, Foremost, American Modern, Hippo — against your actual roof, year built and rebuild cost, and show every trade-off with live pricing.
The Coverages.
Dwelling (Coverage A)
The cost to rebuild — not the market price. We hydrate square footage and year built into every carrier's rebuild estimator so limits are honest.
Other Structures
Detached garage, fence, shed — typically 10% of dwelling, adjustable when your lot says otherwise.
Personal Property
Your stuff, worldwide. Watch for special limits on jewelry, firearms and instruments — schedule what matters.
Liability
The dog, the trampoline, the icy sidewalk. $300k is the modern floor; $500k costs less than most people guess.
Water Backup
The most-used endorsement in real claims. Sewer and sump backup isn't covered without it.
Service Line
The buried pipe from the street is yours, and excavation is brutal. A quiet endorsement that pays for itself the one time it matters.
Roof age runs the market
Nothing moves home eligibility and price like the roof. Carriers increasingly pay actual cash value on older roofs or decline them outright. Know your roof year before you shop; if you just replaced it, say so — it's worth real money.
Deductibles went percentage
Most carriers now quote wind/hail deductibles as a percentage of dwelling. On a $500k rebuild, 1% means $5,000 out of pocket. Our customizer prices 2%, 1% and 0.5% side by side so the trade is explicit.
Bundle mechanics
Home + auto bundles are real: carriers discount both sides to win the whole household. Add both lines to one order and the fleet applies multi-policy pricing wherever it exists.
One intake, every carrier with appetite, live tracking, one-click bind. $0 to shop.
Start My Quote How It Works"My renewal jumped 30%. This marketplace found the same coverage for less than my old rate."
— S. Patel, Aurora — verified orderWhat The Fleet
Checks.
Rebuild Cost Modeling
Executors feed square footage, year built and construction class into each carrier's estimator so Coverage A is honest, not guessed.
Roof & CLUE Review
Carriers pull loss history (CLUE) and aerial roof imagery during rating; the fleet answers their follow-ups consistently across portals.
Deductible Laddering
Wind/hail percentage deductibles are quoted at multiple rungs so the customizer can re-price them instantly after delivery.
Endorsement Sweep
Water backup, service line, equipment breakdown — quoted where available so the comparison shows real coverage, not stripped teasers.
The Discounts
That Matter.
New / Newer Roof
The single most valuable home discount in hail country — carriers price roof year aggressively in both directions.
Auto Bundle
The classic pairing; carriers discount both sides to win the household.
Protective Devices
Monitored alarms, water-leak sensors and smart shutoffs all earn credits — the water sensor often pays for itself in premium alone.
Claims-Free
Three to five clean years compounds into real money at renewal.
New Purchase
Recently bought homes rate better at several carriers — shop within 30 days of closing.
The Vocabulary.
Is flood covered?
No — flood is a separate policy everywhere in the market. Ask the concierge and we'll route a flood quote alongside your HO3.
What does 'guaranteed replacement cost' mean?
The carrier rebuilds your home even if costs exceed your limit. It's the premium feature of our Premier tier — worth it in wildfire and hail country.
My home is older — is that a problem?
Pre-1950 homes need carriers with appetite for them. That's a routing problem, and routing is our whole job.
Do you quote condos and renters too?
Yes — HO6 and HO4 are their own lines with their own pages, and they bundle with auto the same way.
Go Deeper.
The Learn Hub
Deductibles, liability limits and renewal strategy, decoded in plain English.
// BUNDLEBundle & Save
Price the whole household in one order — bundled and split, side by side.
// PROMISEThe Pearl Guarantee
Accurate at bind, on time or escalated, claims-day advocacy.
// MACHINEHow It Works
The algorithm, the fleet, and the Buy Box — with the audit trail.