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Comparing homeowners insurance online is easy . . .
Click the “Get Quotes Now” button above to get started
Fill out one simple online questionnaire
Receive quotes from local and national companies
Choose the policy that’s right for you and save
You have a choice - you can spend hours of your time calling and visiting your local insurance agencies, or
you can spend a few minutes with us and get cheap homeowners quotes from top-rated local agencies, and
national insurance companies in all 50 states. The quotes you’ll receive come from some of the best
homeowners insurance companies all bidding for your business.
Many of our customers have saved $525 or more on their homeowners insurance policies. Just click on the
"Get Quotes Now" button above to see how much money you can save. It's quick, it's easy, and it's free!
Homeowners Insurance FAQs
Why do I need homeowners insurance?
You need homeowners insurance to protect you from possible financial ruin. If your home were destroyed
by a fire, flood, tornado, or a hurricane, you could lose everything you own. If, on the other hand, you had
insurance, you would lose nothing because your house and possessions would all be replaced.
Why buy homeowners insurance online?
Buying insurance online is simple and easy, and getting your quotes won't cost you a penny. You'll get your
quotes immediately, and you can compare those quotes in the comfort and privacy of your home. You won't
have to spend hours of your time calling local agencies to get quotes. With us you can get cheap
homeowners insurance quotes from A-rated local and national companies in a matter of minutes.
What does homeowners insurance cover?
A homeowners insurance policy provides the following protection …
It will pay to repair or rebuild your home if it’s damaged or destroyed
It will pay to repair or replace your possessions if they are damaged or destroyed
It will pay your living expenses if you have to leave your home while it's being repaired
It will pay your legal expenses if you’re sued by someone who is injured by you or any family member
living in your home
It will pay the medical expenses for anyone who is hurt on you property
How can I get cheap homeowners insurance?
Compare rate quotes – Click the “Get Quotes Now” button near the top of this page to get rate quotes from
top rated homeowners insurance companies. Then review and compare those quotes to find the cheapest
homeowners insurance rate and the best homeowners insurance coverage that fits your needs.
Raise your deductible - When you fill in the online form to get your quotes, make sure you enter the
highest deductible you can afford. Increasing your deductible from $500 to $1,000 can save 15% to 25% on
your policy. Increasing it to $2,000 can save you up to 35%.
Get discounts – In order to get the cheapest home insurance rate make sure you include all the discounts
you’re eligible for. Some discounts include:
A security discount if you have security features such as deadbolt locks, window locks, and a burglar
alarm in your home - this can save 5% to 10% on your insurance. Installing a burglar alarm that alerts
the police can save up to 20%
A safety discount If you have safety features like smoke detectors and fire extinguishers in your home -
this can save you 5% to 10% on your insurance
A multi-policy discount if you have your home and car insured with the same company - this can save
you up to 15% on your insurance
A senior discount if you’re 55 or older and retired
A non-smokers discount if no one in your home smokes
A claim-free discount if you haven’t filed a claim within a certain number of years
A payment discount if you pay your premiums quarterly or yearly instead of monthly
How can I tell if a homeowners insurance company is reputable?
You can visit you state’s department of insurance website to find out if a company is licensed in your state.
You can also find out if there are any complaints lodged against them. To visit your state’s insurance
website, click this link: http://www.naic.org/state_web_map.htm, then click on your particular state.
To find the financial rating of a particular insurance company and their ability to pay claims, go to Standard
& Poor’s website: http://www.standardandpoors.com.
What coverages are included in a homeowners insurance policy?
Dwelling coverage – This pays for any damage to your home caused by fire, storms, plumbing leaks,
lightning, theft, or vandalism.
Other structure coverage – This pays for damages to the landscaping or the structures on your
property that are not attached to your home such as sheds, guest houses, and fences.
Personal property coverage - This pays to replace or repair any of your personal possessions such as
furniture, appliances, electronics, clothing, tools, etc., if they are damaged or destroyed, even if they
aren’t on your property.
Loss of use coverage - pays most of your living expenses if you need to vacate your home while it’s
being repaired or rebuilt.
Liability coverage – This pays for claims or lawsuits if someone is injured on your property, or if you or
a family member living in your house unintentionally injure someone off your property.
Medical coverage – This pays the medical expenses of anyone who is injured on your property or hurt
by your pets.
How much is homeowners insurance?
The average cost of homeowners insurance in the U.S. is $952 a year. This varies from state to state, with
Idaho having the cheapest average rate of $534 a year, and Florida having the most expensive rate of
$1,991 a year.
What are the best insurance companies?
Contrary to popular belief, the best companies aren't necessarily the big-name companies you see on TV.
The best companies are the ones that have the highest ratings with rating services like Standard & Poors,
and A.M Best, and have the fewest complaints lodged against them with your state's insurance commission.
Many smaller, lesser known companies have better overall ratings than the big companies. Plus they have
more affordable rates because they don't spend millions of dollars on advertising and can afford to give you
a better rate. If you're looking for the best companies to buy insurance from then you need to check their
ratings and check their complaints record.
How can I get a homeowners insurance estimate?
The only way to get a reliable insurance estimate is to go online to an insurance comparison site and get
rate quotes. That way you'll know exactly what you need to spend for your home insurance. Just click the
"Get Quotes Now" button above to get your quotes.
Where can I get insurance if my home is considered "high risk"
High risk insurance is an insurance classification for homes that present a high risk to insurance companies,
such as homes that are in a flood zone, homes that are in hurricane or tornado zones, homes that were
built with substandard materials, and homes in high crime areas, Your home can also be classified as high
risk if you’ve filed two or more claims within the last two years, if you’ve filed for bankruptcy, if your
insurance has been cancelled, or if you have a bad credit rating
If your home has been classified as high risk it doesn’t mean you can't get insurance, it just means your
insurance rate will be higher than the normal rate. However, you can lessen your rate by comparing quotes
from various companies and using the money-saving tips on this page.
If you’re turned down by insurance companies because your home is too much of a risk, you can still get
insurance through state run programs known as Fair Plans. These program provide insurance to people
whose homes are considered uninsurable by insurance companies. To see if your state offers these plans,
visit your state’s department of insurance website.
What the difference between homeowners insurance and condo
With homeowners insurance you are responsible for insuring your entire home. With condo insurance
you’re only responsible for insuring the inside of your condo from the interior walls inward. The condo
building itself and the condo's common areas are insured by the condo owner’s association.
Homeowners liability coverage protects you in the event someone is injured in your home or on your
property, while condo liability coverage protects you when someone is injured inside your home, and the
association’s policy covers injuries that happen in the common areas.
Both homeowners and condo insurance cover your personal property such as furniture, clothing,
electronics, appliances, household items, tools, and jewelry.
Where can I get landlord insurance quotes?
Landlord insurance protects rental properties from such perils as burglary, tenant damages, fire, acts of
nature, theft, and malicious damage. This type of insurance is available from most insurance carriers.
Where can I get vacant house insurance?
Unoccupied home insurance, also known as vacant house insurance, covers homes that are unoccupied.
They represent what is known as an “attractive nuisance” by insurance companies, because these homes
appeal to vandals and thieves, and are therefore classified as high risk.
To insure a vacant home you have two options: you can purchase an endorsement to your existing
homeowners policy, or you can purchase a separate vacant house insurance policy.
Where can I get low cost mobile home insurance coverage?
There are two types of mobile homes: modular homes which are prefabricated, transported in pieces to a
building site, then constructed on a foundation, and manufactured homes which are constructed entirely in
a factory then towed to a building site.
If you own a modular home you can get a standard homeowners policy. If you own a manufactured home
you will need to get a manufactured homeowners policy. Both types of policies are available through most
insurance companies, and both provide protection from fire, storms, burglary, vandalism, loss of personal
property, and liability lawsuits.
To get the best rate for mobile home insurance, click the “Get Quotes Now” link above to get quotes to
compare, then choose the least expensive quote that gives you the coverage you need.
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