Home Insurance • Homeowners of America • 2026
Homeowners of America Quote — Home, Condo & Landlord Coverage Built for Real-World Claims
Comparing Homeowners of America with other home insurance carriers? Blake Insurance Group is an independent agency that quotes multiple A-rated insurers side-by-side, including options for homeowners (HO-3), condo (HO-6), and landlord/DP policies. We mirror your dwelling limit and deductibles, check sublimits for valuables, and align endorsements to your lender or HOA so you get clean underwriting and fast proof. Below you’ll find a practical coverage checklist, endorsement ideas, a claims-readiness plan, and a quick way to run quotes—so you can choose confidently and avoid surprises at claim time.
Instant comparison widget
See live pricing and coverage options from several carriers (including alternatives to Homeowners of America). Bind online where available and receive digital proof for your lender or HOA—often the same day.
Coverage snapshot (what most homeowners actually use)
Use this table to match lender/HOA requirements. We’ll mirror settings across carriers for a fair apples-to-apples comparison.
| Section | What it does | Typical settings | What to confirm |
|---|---|---|---|
| Dwelling (Coverage A) | Rebuilds your home after covered damage | Replacement cost with inflation guard | Extended/guaranteed replacement; ordinance or law coverage |
| Other Structures (B) | Fences, sheds, detached garage | ~10% of A (adjustable) | Increase if you have large detached structures |
| Personal Property (C) | Your belongings | Replacement cost on contents | Sublimits for jewelry, bikes, cameras; scheduling options |
| Loss of Use (D) | Temporary housing after a covered claim | Percent of A or stated limit | Monthly caps/time limits; pets accommodated? |
| Personal Liability (E) | Injury/property damage to others | $300k–$500k common | Match with umbrella; animal liability wording |
| Medical Payments (F) | No-fault medical for guests | $1k–$5k+ | Per person vs occurrence limits |
| Wind/Hail & Named Storm Deductibles | Your share for wind/hail events | % of Coverage A or flat | HOA/lender acceptance; coastal/tornado zones |
Smart endorsements (add value, avoid gaps)
Endorsements can make the difference between a minor inconvenience and a major out-of-pocket bill. Here are common adds to consider.
| Endorsement | Why it matters | Typical options | Notes |
|---|---|---|---|
| Water Backup | Backed-up drains/sump overflows | $5k–$25k+ | Often required for basement/low-level units |
| Service Line | Underground pipes/cables from street to home | $10k–$20k+ | Fills a common exclusion in base policies |
| Equipment Breakdown | Mechanical/electrical breakdowns (HVAC, appliances) | $50k+ with small deductible | Pairs well with surge protection |
| Scheduled Valuables | Jewelry, bikes, instruments, collectibles | $1k–no max; itemized | Often broader causes of loss; optional $0 deductible |
| Extended Replacement / O&L | Extra rebuild funds & code upgrades | 10%–50% of A (varies) | Critical for older homes and hot labor markets |
Claims-readiness checklist (save stress later)
Inventory & photos
Keep a quick phone video of each room + serial numbers for big-ticket items. Store in the cloud.
Roof & water
Track roof age and keep receipts for plumbing/HVAC updates; they matter during underwriting and claims.
Documents
We send your mortgagee clause, additional interest, and HOA certificate quickly to avoid closing delays.
Emergency playbook
Shut-offs, preferred contractors, board-up contacts, and a dry-out plan minimize loss and speed settlement.
“Near me” areas served & licensed states
We help homeowners nationwide via phone/video and coordinate directly with your lender, realtor, and HOA/condo association.
| Area type | Common needs | Licensed states (selection) |
|---|---|---|
| Suburban neighborhoods | Bundle home + auto + umbrella; water backup; service line | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA |
| Urban condos/HOAs | HO-6 walls-in, loss assessment, scheduled valuables | OK, NM, IA, KS, MI, NE, SC, SD, WV |
| Coastal & storm-exposed | Wind/hail deductibles, roof endorsements, flood companion | Ask us to confirm availability and terms |
| Landlords (DP forms) | Loss of rents, tenant damage, liability alignment | Most states listed above; confirm for your property |
Related topics
FAQs
Are you affiliated with Homeowners of America?
No. We’re an independent agency. We can quote Homeowners of America (where available) and other carriers to find your best total value.
How much dwelling coverage do I need?
We calculate a replacement-cost estimate based on square footage, finishes, and local labor. Then we add inflation guard and, where offered, extended replacement and ordinance or law coverage.
Will my HOA or lender accept this policy?
Yes—we tailor endorsements and proof to your requirements, including mortgagee clauses, additional interests, and certificates for HOAs or condo associations.
Can I bundle home with auto and umbrella?
Often yes. Bundling can reduce total cost and simplify renewals. We’ll test multiple combinations during quoting.
Do I need separate flood insurance?
Home policies generally exclude flood. If you’re in a flood zone—or keep valuables in basements—ask us to price an NFIP or private flood companion policy.
Disclosure & trademarks
Coverage, discounts, and availability vary by insurer, state, and property characteristics. This page provides general information and does not modify policy terms or constitute a binder. Homeowners of America® is a trademark of its respective owner and appears for identification and comparative purposes only. Blake Insurance Group: Licensed insurance producer (NPR/NPN 16944666).
