Home insurance · Updated October 2026

Compare homeowners insurance before your next renewal.

Whether you're closing on a new home or your premium just jumped, we'll match you with providers that write policies for your property and ZIP code.

Free to use. No obligation. Takes about 2 minutes.

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AUTO POLICYSAMPLE · DECLARATIONS

Illustrative coverage only. Your agent will quote limits and prices for your situation.

Start with your situation

Coverage

An HO-3 policy, section by section

DwellingCoverage A: Rebuilds the structure of your home. Set it to replacement cost, not market value.
Other structuresCoverage B: Detached garages, fences and sheds. Usually 10% of Coverage A.
Personal propertyCoverage C: Your belongings. Choose replacement cost over actual cash value if you can.
Loss of useCoverage D: Hotel, meals and extra living costs while your home is being repaired.
Personal liabilityCoverage E: Pays if someone is hurt on your property or you damage someone else's property.
Medical paymentsCoverage F: Small medical bills for guests injured at your home, regardless of fault.
Wind / hail deductible%: In storm-prone states this may be a percentage of Coverage A rather than a flat dollar amount.
Flood insuranceNFIP: Standard home policies exclude flood. Coverage comes from the NFIP or private flood insurers.

Pricing

Every company weighs these factors differently. That's why the same coverage can cost very different amounts from one provider to the next.

Home insurance guides

How to set dwelling, personal property, loss of use and liability limits on a homeowners policy, and why rebuild cost matters more than market value.

Your landlord's insurance doesn't cover your belongings. Here's what renters insurance covers, what it doesn't, and how much to buy.

Which kinds of water damage homeowners insurance covers, which it doesn't, and when you need flood insurance or a sewer backup endorsement.

Questions

How much dwelling coverage do I need?

Enough to rebuild your home from the ground up at today's labor and material costs. That number can be higher or lower than your purchase price.

Does home insurance cover floods or earthquakes?

Usually not. Both require separate policies or endorsements.

When do I need a policy if I'm buying?

Your lender will require proof of coverage before closing. Start shopping as soon as you have an accepted offer.

Do you also compare renters and condo insurance?

Yes. Choose "I rent" or "Condo" in the quote form and we'll match you accordingly.

Free, no obligation, about two minutes.