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Property Types
Browse 18 in-depth Property Types guides from Home Insurance Clear. Our editorial team researches and writes each one to give you clear, practical answers, current as of August 2026. The newest are shown first.
44% of Airbnb Hosts Lack Proper Insurance Coverage
Roughly 44% of Airbnb hosts in the United States have no idea their standard homeowner’s policy …
Condo Walls-In Coverage: What's Actually Covered
Thirty-seven days into my career reviewing claims, a condo owner named Gerald called me absolutely convinced …
30 Days Without Occupancy: What Unoccupied Home Insurance Costs
Most homeowners don’t know their standard policy stops protecting them after 30 to 60 days of vacancy. …
Mobile Home Insurance Guide: Coverage Types Explained
Most people buying a mobile home don’t think much about insurance until the bank requires it. Then they …
Rental Property Coverage Options: Protect Your Investment
Most landlords I talked to over the years thought their homeowner’s policy covered their rental. Almost …
Dwelling Fire Policy: 2 Coverage Types That Matter
Most landlords buying a dwelling fire policy have no idea that the “fire” in the name is largely a …
Manufactured Home Insurance: What's Actually Covered
Most people buying a manufactured home have no idea their standard HO-3 homeowner policy won’t cover it. …
Landlord Insurance: Protection Beyond Standard Homeowners
If you’ve recently bought a rental property, or you’re thinking about converting your current home …
What Your Condo Insurance Actually Covers
Most condo owners are underinsured and don’t know it until they’re standing in three inches of …
Landlord Insurance vs Homeowners: Which Protects You
A landlord I’ll call Dennis called our advocacy line a few years back, furious. He’d been renting …
Does Your Detached Garage Have Insurance Coverage?
Your detached garage just burned down. The fire marshal says it started in the wall where your …
Does Your Homeowners Policy Cover Fence Damage?
Your fence comes down in a windstorm. You file a claim. The adjuster tells you it’s only covered up to …
Condo Insurance: What Homeowners Actually Need
Most condo owners are carrying the wrong insurance policy right now. Not because they’re careless, but …
Protect Your Empty House: Vacant Home Insurance Guide
If your house sits empty for more than 30 days, your standard homeowner’s policy has probably already …
Does Your HOA Master Policy Cover Condo Claims?
Most condo owners I’ve spoken with assume they’re fully covered because their HOA pays for …
When To Switch Your Home Insurance for the Seasons
Most homeowners renew their insurance policy every year without reading it. They get the bill, they pay it, …
Investment Property Insurance: What You Must Know
You buy a rental property, feel good about the investment, and assume your regular homeowners insurance policy …
New Construction Home Insurance: What Builders Miss
You closed on your brand-new home last Thursday. The builder handed over the keys, you signed a stack of …