---
title: "Home Insurance Basics"
canonical: "https://www.simplyinsurance.com/home-insurance-basics/"
description: "Below we cover the basics of homeowners insurance, from the different types of policies to the difference between actual cash value (acv) and replacement cost…"
silo: "homeowners"
published: "2026-05-31"
updated: "2026-05-31"
author: "sa-el"
source: "Simply Insurance"
---
Below we cover [the basics of homeowners insurance](https://www.simplyinsurance.com/compare-homeowners-insurance-quotes-online/), from the different types of policies to the difference between actual cash value (acv) and replacement cost coverage, including our [Home Insurance Guides](https://www.simplyinsurance.com/home-insurance-best-of/).

- [8 Primary Types Of Homeowners Insurance Explained](https://www.simplyinsurance.com/types-of-homeowners-insurance/)

- **[Actual Cash Value Vs Replacement Cost Explained](https://www.simplyinsurance.com/actual-cash-value-vs-replacement-cost/)**

- [Can I Change My Home Insurance Policy in the Middle of the Year?](https://www.simplyinsurance.com/switch-home-insurance-companies/)

- [Hazard Insurance vs Homeowners Insurance + Tips](https://www.simplyinsurance.com/hazard-insurance-vs-homeowners-insurance/)

- [Home Insurance Calculator](https://www.simplyinsurance.com/home-insurance-calculator/)

- [Home Warranty vs Home Insurance // What’s The Difference](https://www.simplyinsurance.com/home-warranty-vs-home-insurance/)

- [How Much Does Home Insurance Cost? Rates & Tips](https://www.simplyinsurance.com/how-much-is-homeowners-insurance/)

- [Is Homeowners Insurance Required // Do I Really Need It?](https://www.simplyinsurance.com/is-homeowners-insurance-required/)

- [What Does Home Insurance Cover? | 65 Things We Found!](https://www.simplyinsurance.com/what-does-homeowners-insurance-cover/)

- [What Is A Homeowners Insurance Declaration Page? // Explained](https://www.simplyinsurance.com/homeowners-insurance-declaration-page/)

- [What Is Escrow & How Does It Work?](https://www.simplyinsurance.com/how-does-escrow-work/)

- [What Is Loss Of Use Coverage & How It Works?](https://www.simplyinsurance.com/loss-of-use-coverage/)