Compare Homeowners Insurance
Looking for cheap homeowners insurance? Enter your 5-digit ZIP code below to compare live quotes from top local carriers in minutes.
Instant ZIP-Code Comparison
Our tool pulls rates from leading insurers so you can spot the best deal fast. No more guessing—see real premiums tailored to your area.
Instant Home Coverage Estimates
Compare multiple home insurance offers instantly.
Quick Auto Insurance Comparison
Instantly see auto rates and bundle savings.
Why Compare Quotes?
Home insurance costs vary by ZIP code, home age, coverage limits and optional riders. Comparing side by side reveals which carriers value your profile most favorably.
Many homeowners save up to $520 per year just by shopping around online.
Key Factors That Influence Your Premium
- Location Risk: Flood, fire and crime rates in your neighborhood.
- Home Characteristics: Age, construction quality and recent upgrades.
- Coverage Levels: Higher dwelling or liability limits raise premiums.
- Optional Add-Ons: Riders like flood, earthquake or valuables coverage.
Top Strategies to Lower Your Rate
- Raise Your Deductible: A higher deductible cuts your premium significantly.
- Bundle Home & Auto: Combine policies with the same insurer for multi-policy discounts.
- Home Safety Devices: Smoke alarms, deadbolts and security systems earn credits.
- Maintain a Clean Record: No recent claims or citations keeps rates down.
Featured Providers
Try a USAA homeowners quote for military families—exclusive discounts and outstanding service.
Explore Amica’s homeowners plans with flexible bundling, accident forgiveness, and top digital claims tools.
Need specialized coverage? Explore options from niche carriers offering flood, earthquake and identity theft protection—so you get the exact policy you need.
Real-World Savings Case Study
The Jones family in Texas saved 27% by switching from their longtime carrier to a bundled policy with Amica—over $450 back in their pocket each year.
Fast Digital Claims & 24/7 Support
Modern insurers offer mobile apps for claims submission, real-time chat with adjusters, and instant status alerts.
With 24/7 customer service, you’ll never be left waiting after a storm or accident.
Ready to Save?
Don’t overpay another dollar. Enter your ZIP code above to see personalized homeowners insurance quotes—fast, free, and without obligation.
Compare rates from Safeway Insurance to see options featuring new-home protections and green-energy credits.