No frills home insurance policies are usually provided by insurance providers to houses that don't meet the strict requirements of physical conditions listed by the company. This form of home insurance is usually the cheapest one, having the broadest limitations on coverage, and is typically offered to houses that have specific physical problems. No frills home insurance comes with a low price tag but still offers the minimum insurance coverage that will definitely be useful while you're fixing the problems. When the condition of the house improves, you can opt for another form of home insurance with broader coverage options.

Deciding on which type of home insurance to get depends on your actual insurance needs and the budget you can spend on insurance. If your utmost priority is having your house protected no matter what, then getting a comprehensive policy is best for you. If you want to have your buck spent well and still get plenty of coverage, then a broad policy will certainly do. So before you speak to your agent about the policy, sit down and analyze your needs and possibilities.