Compare home insurance quotes for your house or condo
Tell us about your home and we will connect you with licensed agents and insurance partners who can quote coverage for your property, belongings and liability.
- Free to use
- No obligation
- About 3 minutes
What affects your quote
Insurers look at different things. These are the most common.
- Location
- Local weather, wildfire and flood risk, and distance to a fire station.
- Age and condition
- Roof age, wiring, plumbing and heating systems.
- Rebuild cost
- Square footage, materials and local construction costs.
- Claims history
- Past claims at the address or under your name.
- Deductible
- A higher deductible usually changes your premium.
- Safety features
- Alarms, sprinklers, deadbolts and storm shutters.
Terms to know
Plain-language definitions to help you compare quotes side by side.
- Dwelling
- Pays to repair or rebuild the structure of your home.
- Other structures
- Covers detached garages, fences and sheds.
- Personal property
- Covers furniture, clothing, electronics and other belongings.
- Liability
- Protects you if someone is hurt on your property.
- Loss of use
- Helps with hotel and living costs while your home is repaired.
Home insurance questions
Does home insurance cover floods?
Standard policies usually do not. Flood coverage is sold separately through the National Flood Insurance Program or private insurers.
Can I bundle home and auto?
Yes. Many insurers offer multi-policy discounts. Choose "home and auto" in the form and agents can quote both.
Do I need insurance if my home is paid off?
It is not required by a lender once the mortgage is paid, but most owners keep coverage to protect their largest asset.
Do you insure renters?
This form is for homes you own or are buying. Agents who contact you may also offer renters coverage.
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