Compare Home Insurance Quotes
Compare home insurance quotes from top-rated carriers in one call. We shop the market so you get the best coverage at the lowest price for your most valuable asset.
Your home is probably your biggest investment. Protecting it shouldn't cost a fortune. But if you're not comparing rates, you're probably paying more than you should.
Most homeowners stick with whatever policy their mortgage company suggested at closing. They renew year after year without shopping. Rates creep up. Coverage gaps sneak in. Nobody reviews the policy until something goes wrong.
We fix that. We shop your coverage across multiple carriers, review your limits, and make sure you're getting the best value.
Why Compare Home Insurance Quotes?
Every carrier prices homes differently. Their algorithms weigh different factors. Your roof age matters more to some. Your claims history matters more to others. Your credit score, your distance from a fire hydrant, your construction type. All of it factors in differently.
The only way to find the best rate is to compare. We check rates from Progressive, The Hartford, Travelers, Safeco, Liberty Mutual, Foremost, and more. All at once. Same coverage, different carriers, different prices.
What Affects Your Home Insurance Rate?
• Home age and construction type - Newer homes and certain construction materials (brick, fire-resistant) often cost less to insure.
• Roof age and material - A 20-year-old roof costs more to insure than a new one. Some carriers won't write policies for roofs over 15 years old.
• Location and distance to fire station - Closer to a fire department means lower risk and lower rates.
• Claims history - Previous claims, especially water damage or weather claims, can increase rates.
• Credit score - Most carriers use credit-based insurance scores. Better credit usually means lower premiums.
• Coverage limits and deductible - Higher coverage costs more. Higher deductibles cost less.
• Safety features - Alarm systems, smoke detectors, and deadbolts can qualify for discounts.
One carrier might penalize you heavily for an older roof. Another might not care as much. We find the carrier that fits your home's profile best.
What Home Insurance Covers
• Dwelling coverage - Protects your home's structure. Should cover the cost to rebuild, not the market value.
• Personal property - Covers your belongings: furniture, electronics, clothing, appliances.
• Liability protection - Covers you if someone gets injured on your property and sues.
• Additional living expenses - Pays for temporary housing if your home becomes unlivable.
• Other structures - Covers detached garages, sheds, fences, and other structures on your property.
What Home Insurance Doesn't Cover
Standard policies exclude certain perils. Flood damage requires separate flood insurance. Earthquake damage requires an earthquake policy. Sewer backup, foundation issues, and gradual wear aren't typically covered either. We review your policy and recommend additional coverage where needed.
How It Works
Call us or request a quote online (fastest)
We gather details about your home
We shop multiple carriers simultaneously
You review options and pick the best one