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Home Insurance
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Home insurance is an essential part of the home buying experience. At OCTO Insurance, our advanced comparison software is designed to find you the highest coverage limits for the best rate within seconds, so you can save money while staying protected.

Home Insurance Is A Smart Choice
Home insurance is not a requirement to owning a home. However, if given the choice to buy or not to buy, our expert opinion is to always ensure you are covered in the event of the unexpected. There is nothing worse than the costly effects of a flood or other natural disaster that can displace families and cost upwards of tens of thousands of dollars in repair.
Home Insurance with OCTO Insurance
Control over your policy
When you purchase home insurance through OCTO Insurance, we give you the power to customize your policy. Our algorithms will compare rates across all major carriers so you can be sure you’re getting the best option for your particular needs.
Smart savings
When you purchase home insurance through OCTO Insurance, you also purchase peace of mind knowing you’re getting the most coverage for your dollar. On average, our insurance comparison software saves users 25% on policy premiums.
Personalized attention
OCTO Insurance won’t treat you and your family like a number. We take the time to listen to your questions and concerns and work with you to find the most compatible policy.
Knowledgeable and resourceful staff
Our knowledgeable staff goes through hours of training on best insurance practices and is ready put that knowledge to use to find the best coverage for you and your loved ones.
Enjoy 24/7 protection
No matter what time or day, we have representatives waiting by the phone to support you during one of the most stressful times as a homeowner.
Wide array of options
There is no one-size-fits-all policy for families, and we’ll never pretend there is. Our software compares the rates of hundreds of insurance carriers so you can be sure you’re getting exactly what you want in a policy.
Homeowners Coverage Consideration
Some things to think about when it comes to choosing the right homeowner’s insurance for your family:
- How much coverage do I need to be comfortable with the security of my home and belongings?
- Based on the location and physical quality of my home, what poses the greatest risk to me as a homeowner?
Things to think about when choosing homeowners coverage
Value of your home
The value of your home is in direct relation to the cost of your homeowner’s insurance. The more expensive your home, the more it will cost to repair or replace it.
Value of your personal property
Depending on the value of your belongings, your homeowner’s insurance premiums may go up in order to provide coverage for your personal property.
Value of expensive items
If you have expensive art or jewelry that you want to be insured in case of burglary or theft, this will affect the cost of your premium.
Value of liability coverage
Increasing liability coverage limits will save you from paying out of pocket for expensive medical bills if you are found at fault when someone is injured on your property.


Condo Coverage Consideration
Homeowners insurance is not just for single-family homes. Condo owners also can benefit from purchasing homeowner’s insurance and protecting themselves from the unexpected.
Your condo
Purchasing a condo can be just as expensive as a single-family home. Protect your investment and make sure you’re covered.
Your possessions
Keep your valuables safe and protected in case of burglary or damage and include them under your home insurance policy.
Your assets
There is a great number of valuable assets inside your condo, and you should feel secure that they are protected.
Condo insurance to protect the following
Often overlooked, home insurance for condos is just as important as insurance for single-family homes. While insurance is often included in monthly condo fees, perform your due diligence and find out what your condo’s policy covers and how you and your home are protected.
Your assets
Your assets move with you from house to house, so make sure they are protected under your home insurance.
Your valuables
Our agents will take the time to read through the available insurance options and ensure you are getting the policy that protects you and your valuables.
Your personal belongings
You can trust that your personal belongings are protected when you shop for insurance through OCTO Insurance.
More Information on Flood Insurance
Some homes are at a higher flood risk than others. If there is a high occurrence of floods in your area, adding flood coverage to your home insurance policy is worth it. Our data comparison technology will ensure that your digital quote includes the best rate for this insurance.
High Risk Zone
Some homes are at a higher risk than others for flooding. If you live in a coastal area or are otherwise susceptible to flooding, spend the extra money and relax with the peace of mind that you’ll be covered in the event of a disaster.
Low to Moderate Risk Zone
In low- to moderate-risk zones, it can be tricky to decide whether flood insurance is with it. Speak with an OCTO Insurance Agent and work together to determine whether you should add flood coverage to your policy.
Flood Insurance Coverage Options
Preferred Risk Policy
Preferred risk coverage refers to low- to moderate- risk zones. In these zones, the severity and commonness of flooding is lower and therefore the policy is generally cheaper.
Standard Risk Policy
Standard risk refers to high risk zones where flooding is common. While these rates are generally higher than preferred risk policies, speak to an OCTO Insurance Agent so you can be sure you’re getting the best rate.
What does flood insurance cover?
Flood insurance may seem like an unnecessary expense, but if you are in a high-risk zone the investment can save you money in the long run. The damaging effects of flooding can wreak havoc on your structure and property and be extremely costly.
Building Property Coverage
Building property coverage refers to coverage of the structure of your property including walls, siding, and foundation in the event they are damaged by floodwater.
Content Coverage
Content coverage is the amount of payout you can receive for your personal property damaged during a flood, including but not limited to appliances, furniture, and the like.
Other Coverage
One of the best parts about OCTO Insurance is that we work with you to find the perfect policy custom-fit for your needs. Contact us today and we’ll be happy to help!

Advantages of Working with OCTO Insurance
When you shop for insurance with OCTO Insurance, you have the peace of mind that comes with knowledgeable staff and advanced technology working together to save you time while providing excellent service.
Maximized Savings
Our data science technology compares policies across most major insurance carriers, finding you the best rate and saving you up to 25% on insurance premiums in just 5 minutes!
Quality Coverage
There should never be fine print or hidden conditions when it comes to your insurance coverage. Our agents will make sure all of your coverage is explained to you upfront.
Claim Assistance
When the unexpected happens, your only concern should be whether you and your loved ones are safe. We have agents available 24/7 to take your information and get a claim started on your behalf.
Personal Support
At OCTO Insurance, our agents aren’t just salespeople— they care about your wellbeing and are here to support you during a claim.
Explaining your coverage
Overwhelmed by all the information that comes along with insurance? Our insurance agents will help make sense of the technical stuff so you can understand what you’re paying for.
Finding discounts
Don’t go through the trouble of price shopping on your own. Our instant insurance quote technology takes just a few moments to provide the most accurate quote, saving you time and money on insurance costs.
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