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Best Homeowners Insurance
Compare Top Insurers and Save

Best Homeowners Insurance

Find the right homeowners insurance policy in just minutes.

Do you own or rent your home?

🔒 Checking your options won't impact your credit score.

How it works

A quick three-step path to compare top homeowners insurance providers in your area.

1

Answer a few questions

Tell us about your home and coverage needs. Takes about a minute.

2

See your matches

We'll show top-rated insurers that fit your situation.

3

Get covered

Compare quotes and choose the policy that's right for you.

Frequently Asked Questions

What does homeowners insurance cover?

A standard homeowners policy typically covers damage to your home and personal belongings from fire, theft, vandalism, and many weather-related events, plus liability if someone is injured on your property. Floods and earthquakes usually require separate policies.

How much homeowners insurance do I need?

Most experts recommend insuring your home for at least 100% of its replacement cost, not its market value. Your dwelling coverage should be enough to rebuild your home from the ground up at current construction prices.

Is homeowners insurance required?

It's not required by law, but if you have a mortgage your lender will require it. Even without a mortgage, going without coverage exposes you to the full cost of a total loss.

What factors affect my premium?

Premiums are influenced by your home's location, age, construction type, square footage, claims history, credit score (in most states), the coverage limits and deductible you choose, and the discounts you qualify for.

How can I save on homeowners insurance?

Compare quotes from multiple insurers, bundle home and auto policies, raise your deductible, install security and smoke-monitoring systems, and ask about loyalty, claim-free, and protective-device discounts.