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. If you prefer to compare across regions, you can also review home insurance offers by state to see how local pricing trends differ by region.
- Check that quotes use the same coverage limits, valuation method, and deductibles.
- Look for easy discounts like multi-policy, smart-home devices, and claim-free history.
Explore Insurance Companies & Plans
Every home is different, and so is every policy. When comparing carriers, look not only at price, but also how each insurer handles rebuild cost calculations, deductible options, roof age adjustments, and protection for valuables or upgraded systems. Tailor limits, deductibles, and add-ons to your specific risk profile—location, construction type, renovation history, and claims record—so you’re paying for protection that fits your home, not a generic “average” policy.
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.
Estimate Your Monthly Home Insurance Cost
Actual rates depend on location, rebuild cost, coverage limits, and discounts—but the quick ranges below help set realistic expectations.
| Home Type | Typical Range / Month |
|---|---|
| Condo / Townhome | $45 – $95 / month |
| Single-Family (Standard Construction) | $85 – $185 / month |
| Large Home / High Rebuild Cost | $160 – $420 / month |
Tip: Enter your ZIP code above to get your localized range based on rebuild cost & available discounts.
Average Homeowners Insurance Rates by State
State-level averages vary based on weather risks, building costs, and local underwriting guidelines. These ranges help compare baseline expectations:
| State | Average Annual Premium |
|---|---|
| California | $1,200 – $2,000 / year |
| Florida | $2,400 – $4,800 / year |
| Texas | $1,900 – $3,200 / year |
| New York | $1,100 – $1,800 / year |
Rates above are typical ranges—your home’s specific ZIP code, roof age, upgrades, and deductible choices will shift pricing.
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)
- Match apples to apples: Align dwelling limits, deductibles, and property valuation method (replacement cost vs ACV).
- Check endorsements & sublimits: Look for water-backup limits, theft limits on jewelry, and special deductibles (wind/hail, hurricane).
- Weigh price vs. service: Read billing/claims terms, repair options, and availability of local agents or digital tools.
If you prefer adjusting coverage and limits interactively, you can start a Progressive home quote and see how pricing changes in real time.
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.
To explore bundling opportunities, you can compare GEICO quotes and see how multi-policy discounts apply in your ZIP.
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.
For comparison, Farmers homeowners insurance often offers customizable endorsements that help avoid these coverage gaps.
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.
To review insurer reliability, financial strength, and service reputation, see our company ratings guide.