Home Insurance Quotes — Free Comparison

Compare Homeowners Insurance Rates

Home insurance protects your biggest asset. Rates vary significantly by carrier, location, and coverage level. Comparing quotes from multiple carriers can save you hundreds per year.

What Determines Your Home Insurance Rate?

• Home value and rebuild cost — The cost to rebuild is different from market value
• Location — Weather risk, crime rate, and distance to fire station
• Home age and construction — Older homes and certain materials cost more to insure
• Roof age and type — A new roof can reduce premiums significantly
• Coverage limits and deductible — Higher deductible = lower premium
• Claims history — Previous claims can raise rates for 3-5 years
• Credit score — Most insurers use credit-based insurance scores

Types of Home Insurance Coverage

• Dwelling coverage — Protects the physical structure of your home
• Personal property — Covers your belongings (furniture, electronics, clothing)
• Liability — Protects you if someone is injured on your property
• Additional living expenses — Hotel and food if your home is uninhabitable
• Other structures — Garages, sheds, fences