Get Home Insurance Quotes
Tell us about your property and get connected with licensed carriers and agents who cover your area.
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Free to use. No obligation to buy.
How It Works
Requesting home insurance quotes takes a few minutes and costs you nothing
Tell us what you need covered
Answer a few short questions about your situation and the coverage you want.
Get matched with licensed providers
We share your request with licensed carriers, agents and marketing partners who write policies in your state.
Hear back from providers
The providers we connect you with follow up directly with the rates and coverage they can offer. Ask questions, and buy only if something fits. No obligation.
Home Insurance Articles & Guides
Helpful reading before you choose a policy
Captive Agents, Independent Agents and Buying Direct
Who an agent represents and how they are paid shapes what you are shown. Here are the four distribution channels and what each is good for.
Read MoreBuilding a Home Inventory Before You Need to File a Claim
After a loss, proving what you owned is your job. A home inventory is the practical way to do it, and it takes an afternoon to create.
Read MoreCancellation, Non-Renewal and Why a Coverage Lapse Matters
Cancellation and non-renewal are different things with different rules. Here are your notice rights, and what a gap in coverage sets in motion.
Read MoreHome Insurance FAQs
Common questions before you request quotes
How do I get home insurance quotes?
Enter your ZIP code and tell us a little about the property and the coverage you are looking for. We pass your request to licensed carriers, agents and marketing partners who write homeowners insurance in your state so they can prepare quotes. The service is free to use and you are never obligated to buy.
What information do I need to get a home insurance quote?
Expect questions about the property address, the type of home, roughly when it was built, its size and construction, the age and condition of the roof, and whether you own or rent. You may also be asked about your current policy and any claims in recent years. An insurer will typically confirm these details, and may inspect the property, before issuing a final rate.
What does a standard homeowners policy cover?
A typical homeowners policy includes coverage for the structure of the home, other structures on the lot, your personal belongings, additional living expenses if the home becomes uninhabitable after a covered loss, personal liability, and medical payments to others. Flood and earthquake damage are usually excluded and require separate policies or endorsements. Always read the policy documents for the exclusions and limits that apply.
How much dwelling coverage should I carry?
Dwelling coverage is generally based on what it would cost to rebuild your home at current local labor and material prices, which is not the same as its market value or your remaining mortgage balance. A licensed agent can walk through a replacement cost estimate for your property and explain options such as extended or guaranteed replacement cost.
What affects my home insurance premium?
Insurers commonly look at where the home is located and its exposure to local weather and fire risk, the estimated rebuild cost, the age and materials of the home and roof, your claims history, the deductible and limits you pick, and safety features such as alarms or updated wiring and plumbing. Many companies also offer a discount for insuring your home and vehicles with them together.
Do I have to carry home insurance?
No state law requires homeowners insurance, but almost every mortgage lender does as a condition of the loan, and a homeowners association may require it as well. Even without a mortgage, a policy is what protects you from paying out of pocket to rebuild after a covered loss.
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