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Home insurance quotes for the place you live
Call to talk with a licensed home insurance agent. They'll ask a few questions, explain your options and can quote you on the call.
Calling connects you with a licensed insurance agent from our network. Calls may be recorded. Free to call, and you're never obligated to buy.
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What shapes your home insurance quote
Every insurer weighs things a little differently, but these come up almost every time.
- Location
- Local weather, wildfire and flood risk, and distance to a fire station all matter.
- Rebuild cost
- Square footage, materials and local construction costs set your dwelling coverage.
- Age and condition
- The roof, plumbing, wiring and heating system affect how a home is rated.
- Claims history
- Past claims on you or the property can change eligibility and pricing.
- Deductible
- Choosing a higher deductible lowers the premium but raises what you pay after a claim.
Common coverage options
A quick guide to the terms you'll hear from agents.
Dwelling
Rebuilds or repairs the structure of your home after a covered loss.
Other structures
Covers detached garages, fences and sheds.
Personal property
Replaces your belongings if they're stolen or damaged.
Loss of use
Pays extra living costs while your home is being repaired.
Personal liability
Helps if someone is injured on your property and you're found responsible.
Home insurance questions
Still unsure? An agent can answer questions about your situation.
Does home insurance cover floods?
Standard homeowners policies usually exclude flood damage. Flood coverage is sold separately, through the National Flood Insurance Program or private insurers. Ask the agent who contacts you about it.
Is home insurance required?
No state law requires it, but mortgage lenders almost always do. Even without a mortgage, it protects what is likely your largest asset.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to replace items with new ones of similar quality. Actual cash value subtracts depreciation, so the payout is lower.
Other coverage
Questions? Talk to a licensed agent.
It's free to call. Get answers and compare your options in one conversation.
(409) 419-3652