Home & Property Insurance Types comparisons

Homeowners, renters, condo and landlord policies all protect property, but each covers a different mix of building, belongings and liability. We compare who each policy is for, what it covers, typical annual cost, who requires it and the common gaps. This is general information, not insurance advice; policy forms vary by insurer and country.

4 home and property insurance types · 3 published comparisons · Scoring weights: Overall 100% · Updated October 2026

Home & Property Insurance Types comparison

Popular property insurance policy comparisons

Home and property insurance types in our database, ranked by VersusAnything Score

  • Renters Insurance (HO-4)100/100Renters insurance (HO-4) covers a tenant's belongings and personal liability for a very low premium, because the building itself is the landlord's responsibility.
  • Condo Insurance (HO-6)67/100Condo insurance (HO-6) fills the gap between the building's master policy and your unit, covering interior fixtures, belongings, liability and loss assessments from the association.
  • Homeowners Insurance (HO-3)17/100Homeowners insurance (HO-3 in the US) is the standard policy for owner-occupied houses, covering the structure on an open-perils basis plus belongings, liability and temporary housing.
  • Landlord Insurance (DP-3)17/100Landlord insurance (DP-3) covers a property you rent out, protecting the structure, landlord-owned contents and liability, and often adding lost rental income after a covered loss.

Compare any two home and property insurance types

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How we score home and property insurance types

Every property insurance policy is scored on the same rows: who it is for, covers the building, covers your belongings, personal liability included, typical annual cost (US, approx.), cost tier (1 = cheapest), who requires it, loss of use / temporary housing, common exclusions. Measurable rows are normalised across the category and weighted (Overall 100%); rows without a sensible direction are explained, not scored. Full rules on our how we score page.