Homeowners Insurance Cost

Estimate and reduce your homeowners insurance cost in minutes. Enter your 5-digit ZIP code below to compare live quotes from leading insurers in your area.

Unlock Affordable Coverage

Our comparison tool pulls rates from dozens of carriers instantly, so you can see who offers the best premiums right now.

Costs typically range from 0.4% to 1% of your home’s insured value per year. Shopping around can save you hundreds of dollars annually.

Get Your Home Insurance Quote

Compare homeowners insurance premiums across top providers.

Get Your Auto Insurance Quote

Compare auto insurance rates and bundle for extra savings.

Average Premiums & Deductibles

The national average premium is about $1,250 per year (~$104/month). Raising your deductible from $250 to $500 can cut your premium by up to 25%.

Many customers save 40% or more simply by comparing quotes and applying discounts.

Factors That Affect Your Cost

Location: Flood, fire, and crime risks in your ZIP code.
Home Age & Condition: Newer roofs and updated wiring lower rates.
Coverage Limits: Higher dwelling or liability limits increase premiums.
Optional Riders: Flood, earthquake, and valuables coverage add to cost.

Top Ways to Save

Bundle Policies: Combine home and auto to unlock multi-policy discounts.
Increase Deductible: A higher deductible reduces your monthly premium.
Home Safety: Smoke detectors, alarms, and deadbolts earn credits.
Shop Around: Compare quotes by ZIP code to find the lowest rate.

Need Auto Coverage, Too?

Pair your home and auto policies to boost savings. Try our Hartford insurance quotes and see bundled discounts.

Check Carrier Ratings

Before you buy, review financial strength and customer feedback on our Insurance Companies Ratings.

Fast & Reliable Claims Service

Filing a claim shouldn’t be stressful. Our digital portal lets you submit photos, upload documents, and track progress in real time.

You’ll receive instant notifications on status changes and can chat with your adjuster 24/7—so you always know what’s happening.

24/7 Customer Support

Got a question at midnight? No problem. Our licensed agents are available around the clock to explain coverages, update your policy, or help with billing.

Whether by phone, chat, or email, we make sure you get clear, friendly guidance whenever you need it.