Are you getting the
best home insurance for your
property?

Insurance companies' prices fluctuate constantly based on underwriting methods, labor costs, and inflation. Take 3 minutes to check if you have the best rates for your coverage.

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How to use
QuoteKings

  • Step 1

    1.  Describe your preferences

    Answer a few questions about yourself, your home, and the coverage you are looking for.
  • Step 1

    2. Compare rates

    We collect current-day quotes from hundreds of insurance companies and present them to you for comparison.
  • Step 1

    3. Choose your policy

    Pick the option best suited to your preferences and enjoy cost-efficient protection of your home.

What does home insurance cover

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Dwelling coverage

Protects the structure of your home itself, including walls, roof, and built-in appliances, if they’re damaged by a covered event.
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Personal property

Covers your belongings inside the home, like home appliances, gadgets, and clothing, if they’re stolen or damaged.

  • Other structures

    Provides protection for buildings on your property that are not attached to your house, such as garages, sheds, or fences.

  • Loss of use

    Helps pay for additional living expenses, like hotel stays or meals, if your home becomes uninhabitable due to a covered loss.

  • Personal liability

    Covers you if you’re legally responsible for injuries or property damage to others, whether at home or away.

  • Scheduled personal property

    Offers extra protection for high-value items like jewelry, art, or collectibles that may exceed standard coverage limits.

Found something not covered by your policy?

Make sure your home is 100% protected.

Essential home insurance shopping tips

Life insurance costs vary significantly depending on age, health, coverage amount, term length, lifestyle, and other factors. Our quote comparison tool incorporates all these variables to deliver precise quotes from national and local providers.

1. Know your coverage limits

When comparing policies, don’t just look at the price, but make sure you know how much protection you’re actually getting. Coverage limits are the maximum amount an insurer will pay for your home and belongings.

If your home costs $300,000 to rebuild but your policy only covers $200,000, you’d be responsible for the remaining $100,000. It’s important to review these numbers carefully and ensure they align with current construction and replacement costs. For example, if lumber and labor prices rise, you may need higher limits than you did a few years ago.

  • 2. Deductibles affect cost

    The deductible is the amount you pay out of pocket before your insurance kicks in, and it directly impacts your premium. A higher deductible generally lowers your monthly premium, but you’ll pay more if you file a claim.

    For instance, if you choose a $2,500 deductible and have $5,000 in storm damage, you’ll pay the first $2,500 and insurance covers the rest. On the other hand, a $500 deductible would mean you pay less at claim time but more for premiums throughout the year. Think carefully about what you could realistically afford to pay if something happens.

  • 3. Not everything is covered by home or renters insurance

    Home insurance doesn’t protect against every type of risk, and exclusions can vary by policy. Standard coverage usually won’t pay for damage caused by floods, earthquakes, or routine wear and tear.

    For example, if a pipe bursts and damages your floor, that’s likely covered. Gradual water damage from a long-term leak usually isn’t. If you live in an area prone to floods or earthquakes, you may need to purchase separate policies for those risks. Knowing these gaps helps avoid unpleasant surprises.

  • 4. Keeping an inventory saves time and money

    Creating a home inventory makes it much easier to file a claim and get fairly reimbursed if your belongings are stolen or damaged.

    An inventory is simply a list of your possessions, ideally with photos, receipts, or serial numbers. For example, if a fire destroys your living room furniture and electronics, having documentation of what you owned and how much it cost speeds up the claims process and ensures you’re compensated accurately.

  • 5. Always check for discounts

    Insurers often provide discounts that can significantly reduce your premium, but not all companies offer the same ones. You may qualify for savings if you install a home security system, have a new roof, or bundle your home and auto insurance with the same provider.

    For example, some companies give a discount for being claim-free for several years, which rewards careful homeowners. When comparing policies, factor in these savings to get a true sense of overall cost.

Did you know:

Nearly 2 out of every 3 U.S. homes (≈ 59%) are underinsured. On average, their policies cover only about 78% of the cost to rebuild. CBS News

Make sure potential accidents don’t come with additional expenses.

Home insurance policy types

Mobile home insurance

Renters insurance

Condo insurance

Flood insurance

Earthquake insurance

Homeowners insurance for historic homes

Homeowners insurance for older homes

Homeowners insurance for different home types

Don’t know which policy type is best for your home?

Home Insurance FAQ

Bundling your homeowners policy with your car insurance is one of the easiest ways to save, since many insurers offer multi-policy discounts. Shopping around and comparing quotes can also uncover significant price differences for the same coverage. Beyond that, you may qualify for discounts by installing security systems, upgrading your roof, or maintaining a claims-free record.

Homeowners insurance isn’t required by law, but lenders usually require you to carry enough to cover your home’s replacement cost. This is different from market value, which includes land value and can fluctuate with the housing market. While you technically can insure for less if you own your home outright, it means you’d be responsible for any uncovered rebuilding costs after a major loss. Most experts recommend full replacement coverage to avoid a financial shortfall.

If you occasionally rent out a room or your whole home through a short-term rental service, your standard homeowners policy may not cover damage or liability that occurs during a guest’s stay. Some insurers offer endorsements for short-term rentals, while frequent or long-term rentals may require a landlord or rental property insurance policy. For example, if a guest accidentally starts a fire in your kitchen, you may not be covered without the right add-on. Always check with your insurer before hosting renters.

It’s best to start comparing home insurance quotes as soon as your offer is accepted. That gives you time to find the right coverage without feeling rushed. If you’re financing your home, lenders will require proof of insurance before closing, so your policy must be active on the closing date. Having insurance lined up early also ensures you can finalize your mortgage without delays.

Standard homeowners policies do not cover flooding from natural disasters like heavy rain, hurricanes, or overflowing rivers. To protect your home from this type of damage, you need a separate flood insurance policy, which is often available through the National Flood Insurance Program (NFIP) or private insurers. Even if you don’t live in a designated flood zone, it may still be worth considering, since flash floods can happen almost anywhere.

Standard homeowners policies usually cover personal belongings at actual cash value, which takes depreciation into account. That means if your five-year-old laptop is stolen, the payout reflects its current value, not what you originally paid. With a replacement cost upgrade, the insurer pays what it would cost to replace the item with a new one today.

Most policies include limits on high-value items such as jewelry, watches, firearms, or collectibles. For example, jewelry may only be covered up to $1,500, even if you own pieces worth much more. To protect those items fully, you can add a scheduled personal property endorsement, which provides higher coverage limits and broader protection. If you have valuable art, heirlooms, or other collectibles, it’s worth shopping around for these add-ons.

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