Homeowners Insurance Quotes

Finding the right homeowners policy shouldn’t be confusing. This page helps you compare insurance quotes by ZIP, understand what affects your price, and choose the right protections for your home and budget.

Start with a quick ZIP search below to see carriers that serve your area. Then use the practical checklists and tips further down to fine-tune coverage, avoid common mistakes, and uncover easy discounts.

Explore Insurance Companies & Plans

Every home is different. Compare carriers and policy options side by side, then tailor limits, deductibles, and add-ons to match your risk profile and comfort level.

Find the Best Home Insurance Rates

Compare home policies tailored to your location.

Get Auto Insurance Quotes

See bundle-friendly auto options in your area.

What Really Affects Your Homeowners Rate

• Rebuild cost, not market price: Carriers price your home on what it costs to rebuild today (materials/labor), not what you could sell it for.
• Roof age & updates: Newer roofs, upgraded wiring/plumbing, and protective devices often mean better pricing.
• Claims history: Fewer prior claims (on the home and the policyholder) typically leads to lower rates.
• Deductible choice: Higher deductibles reduce premiums—just ensure the amount fits your emergency fund.
• Location risks: Local fire protection, weather patterns, and crime statistics influence pricing.
• Credit-based factors (where allowed): In some states, credit can affect rates. Good bill-pay habits may help.

Quick Coverage Checklist

Use this to sanity-check quotes. If a term is missing, ask the carrier how it’s handled.

• Dwelling (Coverage A): Rebuild cost with extended or guaranteed replacement if available.
• Other structures (B): Fences, sheds, detached garages.
• Personal property (C): Replacement cost coverage for your belongings (not actual cash value).
• Loss of use (D): Pays for temporary living costs if your home is uninhabitable.
• Liability (E): Consider at least enough to cover assets; umbrella may be wise for higher exposure.
• Medical payments (F): No-fault help for minor guest injuries.
• Common add-ons: Water backup, equipment breakdown, service line, ordinance or law, scheduled valuables.
• Not included by default: Flood and earthquake are separate policies in most areas.

How to Compare Quotes (3 Simple Steps)

1. Match apples to apples: Align dwelling limits, deductibles, and property valuation method (replacement cost vs ACV).
2. Check endorsements & sublimits: Look for water-backup limits, theft limits on jewelry, and special deductibles (wind/hail, hurricane).
3. Weigh price vs. service: Read billing/claims terms, repair options, and availability of local agents or digital tools.

Lower Your Premium Without Weakening Protection

• Bundle home + auto to unlock multi-policy savings.
• Raise your deductible modestly and keep the difference in an emergency fund.
• Install monitored alarms or leak sensors; ask your carrier about device credits.
• Review limits annually after renovations or big purchases.
• Ask about claim-free, paperless, and pay-in-full discounts.

For carrier snapshots, see our company ratings guide. You can also compare GEICO quotes, start a Progressive home quote, or explore Farmers options.

Common Mistakes to Avoid

• Using market value: Under-insuring the dwelling by basing limits on sale price, not rebuild cost.
• Overlooking water coverage: Skipping water backup or service-line coverage in older homes.
• Ignoring sublimits: Assuming standard personal property limits fully cover jewelry, art, or collectibles.
• Choosing the lowest price only: Sacrificing helpful endorsements or responsive claims service.

Support When You Need It

Whether you’re buying for the first time or renewing, we keep the process clear—explaining terms, helping you compare options, and pointing out easy savings opportunities.

Ready to move forward? Start above with your ZIP, then use the checklists here to customize a policy that fits your home and your budget.