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Finding Homeowner's Insurance. When shopping for any type of insurance, it's important to compare coverage, customer service, and quality along with the cost. An HO8 policy is specifically designed for older homes. If your house is old and in good condition, an HO8 plan may be more affordable than an HO3 policy. Real Estate · Technology · Transportation A Travelers representative can help you determine the homeowners coverage that best fits your needs and budget. Homeowners' insurance is a specific type of property insurance. Homeowners' insurance covers damage or loss by theft and against perils which can include fire. Older buildings come with unique property exposures, including non-compliance with current local building codes and valuation issues.