Home insurance made simple

Stop overpaying for home insurance.

Compare quotes from top insurance companies in minutes and find coverage that protects your home without breaking your budget.

No pressure, no confusing jargon—just honest help from licensed agents who understand your area.

Call 1-800-INSURANCE Start a home quote

Talk to an insurance guide

Licensed pros walk you through quotes, discounts, and next steps in minutes.

Home Insurance Explainer

Everything you need to know about protecting your home

Home insurance is one of the biggest investments you'll make to protect your property and belongings. Whether you're a first-time homeowner or shopping for better coverage, understanding how home insurance works helps you make smarter decisions and avoid overpaying.

At its core, home insurance protects your house's structure (called dwelling coverage), your personal belongings, and shields you from liability if someone gets hurt on your property. Your mortgage lender typically requires proof of insurance before you close, and they'll want to make sure your coverage amount is enough to rebuild your home if disaster strikes. But here's what most people don't realize: your home's market value and its rebuild cost are usually very different numbers.

The key to getting the right coverage is understanding what you actually need versus what insurance companies try to sell you. Start by figuring out your home's replacement cost—not what you paid for it or what it's worth today, but what it would cost to rebuild from the ground up using current materials and labor rates in your area. Then consider your belongings, your deductible (how much you'll pay out-of-pocket before insurance kicks in), and any extra coverage you might need for things like floods, earthquakes, or expensive jewelry. Ready to compare quotes and find coverage that actually fits your budget?

How it works

Getting covered is easier than you think

Whether you're buying your first home or switching insurance companies, we make it simple to find the right coverage at the right price.

Step 1

Tell us about your home

Answer a few quick questions about your house, what you own, and what matters most to you. Bring photos or old policies if you have them handy.

5 minutes

Step 2

Find the right coverage at the right price

See your options side-by-side and adjust coverage amounts or deductibles to match your budget. We'll show you how each change affects your price.

Easy comparison

Step 3

Get covered and stay supported

Buy your policy online or talk to an agent who can walk you through everything. We'll be here when you need to file a claim or make changes later.

Expert help available

Key decisions

Everything you need to make the right choice

Learn how home insurance works, discover ways to save, and get the protection you need—all without the headache.

Protect your home from top to bottom

See exactly what's covered—from your roof and walls to detached garages and sheds. We help you understand how much coverage you actually need.

See which risks matter in your area

Learn about wildfire, hail, flood, and other risks where you live. We'll show you which extra protections make sense for your home.

Know what happens to your belongings

Understand how your furniture, electronics, and valuables are covered. Find out if you need extra protection for expensive items.

Stay protected beyond your home

Learn how liability coverage protects you if someone gets hurt on your property—and when extra coverage like umbrella insurance makes sense.

Guided help

Real people ready to help when you need it

Our licensed insurance experts work with local agencies across the country. They understand your area's building costs, know how to find discounts, and can turn confusing insurance-speak into plain English.

Real people who understand your local area and building costs
Help working with mortgage lenders and insurance requirements
Guidance if you run a business from home or rent on Airbnb
Annual check-ins to make sure your coverage still fits

Call 1-800-INSURANCE Compare quotes online

Prefer online? Start there and call us whenever you're ready for help.

Questions?

Common questions about home insurance

How is this different from getting a quote directly from an insurance company?+

Instead of visiting multiple insurance websites separately, we compare quotes from many companies at once and show you the best options. Plus, you can talk to a real person anytime to get questions answered or help choosing the right coverage.

Can you help with my mortgage company's insurance requirements?+

Absolutely. We'll send proof of insurance directly to your lender, make sure all the required information is included, and remind you before renewal so your coverage never lapses.

What if I'm renovating or just built my home?+

We'll help you figure out the right coverage amount based on your recent improvements and current building costs in your area. Bring renovation receipts or builder invoices and we'll make sure your coverage reflects what you've invested.

Does home insurance cover floods?+

Standard home insurance doesn't cover flooding from storms or rising water. If you live in a flood-prone area, we can help you get separate flood coverage and explain whether it's required by your lender.

Explore other insurance coverage

Most homeowners who bundle home and auto insurance find they save money. Compare quotes to see your options.