Home Insurance Quotes

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Home Insurance

Home insurance is all about financial security and peace of mind. That's because your home is likely your most valuable asset, one which you have worked years to acquire. So you don't want to leave things to chance. You want independent and expert help with arranging home insurance quotes, choosing the right home insurance coverage, analyzing home insurance policies and comparing home insurance rates.

We have the expertise and the systems to make your task straightforward and smooth, and our independence means that you can buy from any company you want. We are not owned in part or whole by any insurer, so we are impartial with your home insurance.

Home Insurance Quotes

Home insurance quotes often vary widely between different companies, so the most important thing you can do is to shop around. Don't make the mistake of assuming that companies tend to charge similar rates, or that lower rates mean less coverage. The more you compare quotes, the more surprised you are likely to be at the variances which exist in the market today. And the best way to compare quotes is to let us do the hard yards for you, and to allow us to connect you with the best companies right away:

  • Compare quotes from competing providers;
  • Only one request form. Why visit multiple companies and complete lots of forms?
  • Nationwide. No matter what state you live in, we can help you find coverage;
  • Quick, easy and free. It only takes a few minutes;
  • Get quotes from leading companies and licensed agents;
  • No obligation to accept any quote. Sometimes you just want to compare.

Whether you are shopping for a policy for the first time, or for a replacement policy for your existing coverage, we can help you save money.

Learn About Home Insurance Coverage

Shopping for a policy means more than just trying to find the best rate. It's also about understanding the scope of coverage provided, and the levels of protection offered in each major area of risk. The principal risks covered under a typical policy are:

  • Coverage for the structure of your house;
  • Coverage for detached structures;
  • Coverage for your personal property;
  • Personal liability coverage;
  • Coverage for additional living expenses and loss of use;
  • Additional coverages.

As you learn more about home insurance, you realize which risks have greater capacity for financial loss, and therefore which components of cover are the more important.

Home Insurance FAQ

Does home insurance cover earthquake and flood damage?

A standard policy does not cover loss or damage due to earthquake or flood. However, most policies make a distinction between water damage from leaking pipes or sprinker systems in your home (which may be covered by your policy) and damage caused by ground water and weather events...

Should I choose actual cash value or replacement cost?

Actual cash value is the amount your property or possessions are worth based on the age and condition they are in at the time of loss or damage. It is equivalent to replacement cost less a deduction for depreciation. Replacement cost is the amount it would cost to rebuild your home with materials of a similar type and quality, or replace your possessions, without any deduction for depreciation...