What coverage do first-time buyers need?

At minimum, first-time buyers should carry dwelling, personal property, liability protection, and Additional Living Expenses (ALE) coverage. Optional add-ons like water backup or identity theft protection can fill coverage gaps.

How can I save as a new homeowner?

Compare ZIP-code quotes across multiple insurers, bundle home and auto policies, install home security systems, and ask about new-home or claims-free discounts.

Is bundling with my auto policy worth it?

Yes—bundling home and auto with the same carrier often yields 10–15% multi-policy discounts, simplifies billing, and consolidates claims with one insurer.

Home Insurance for First-Time Buyers

Buying your first home is a major milestone—and securing the right insurance is just as crucial. In fact, a colleague of mine recently saved over 15% by comparing ZIP-code quotes before closing. First-time buyers often face unfamiliar terms and lender requirements, so using a side-by-side quote tool ensures you get the coverage you need at a price you can afford.

Compare Homeowners Insurance by ZIP Code

Enter your ZIP code to get instant, commitment-free quotes from top insurers. You’ll see coverage options, premium estimates, and deductible choices side by side. Whether it’s a condo, townhouse, or single-family home, personalized rates make selecting the right policy simple.

Get Your First-Time Buyer Home Insurance

Start comparing first-time buyer home insurance offers in your area.

Why First-Time Buyers Need the Right Coverage

New homeowners often overlook key protections: water backup, adequate valuables coverage, or the difference between replacement cost and actual cash value. Selecting comprehensive dwelling, personal property, and liability limits up front prevents coverage gaps and unexpected out-of-pocket expenses later.

Top Providers for New Homeowners

Some insurers simplify the process for first-time buyers. GEICO’s bundle discounts can lower both home and auto premiums. State Farm’s online tools let you customize your policy, while Allstate’s digital platform offers flexible endorsements and easy claims tracking.

Essential Policy Features

Your policy should include:

Dwelling coverage: Rebuild your home if damaged.
Personal property: Replace stolen or damaged belongings.
Liability protection: Covers injuries on your property.
Additional living expenses (ALE): Pays hotel costs if uninhabitable.

Consider add-ons like identity theft protection or sewer backup—especially in older properties.

Many first-time buyers qualify for discounts on new wiring, security systems, or claims-free history. To explore multi-policy savings, see our guide to home & auto bundle deals by ZIP code.

Start Protecting Your Home Today

Securing your first home shouldn’t be overwhelming. Enter your ZIP code above to compare quotes, adjust coverage levels, and lock in a policy that safeguards both your investment and peace of mind.