Get Instant Homeowners Insurance Quotes Online

Get an affordable homeowners insurance quote online and apply for coverage, all without an agent.

500,000 Families Quoted Since January 2017 

  • Coverage For Your Home Office
  • Condo Insurance Available
  • Secure and Simple Application Process
  • 100% Online Process
  • Simple E-Signature Process
  • Landlord Insurance Available

Get Simple & Fast Homeowners Insurance Quotes Online

Get an affordable homeowners insurance quote online and apply for coverage, all without an agent.

500,000 Families Quoted Since January 2017 

  • Coverage For Your Home Office
  • Condo Insurance Available
  • Secure and Simple Application Process
  • 100% Online Process
  • Simple E-Signature Process
  • Landlord Insurance Available

What Is Home Insurance? 

"in Plain English” 

Homeowners insurance is simply protection against the loss of your physical home or things in and/or around your home.  Policies will usually cover your physical home, personal property as well as liability.

Getting a homeowner insurance quote is the first step to making sure your house and property is covered from any unexpected life events.  You can even customize your policy based on your specific situation.

What Is Home Insurance?

"in Plain English” 

Homeowners insurance is simply protection against the loss of your physical home or things in and/or around your home.  Policies will usually cover your physical home, personal property as well as liability.

Getting a homeowner insurance quote is the first step to making sure your house and property is covered from any unexpected life events.  You can even customize your policy based on your specific situation.

How Does Home Insurance Work?

Pick Your Options

Your first step is to determine how much coverage you will need for the different insurance types such as dwelling, personal property or loss of use. 

Make Payments

Once the policy is in-force you will make monthly (level) payments for the life of the policy. You should keep your policy even after your home is paid off. 

File A Claim

If your physical home or personal property is damaged by things like fire, lightning or any type covered loss; you would simply need to file a claim to get things covered.

Types Of Home Insurance

"in Plain English” 

There are over 8 different types of home insurance products.  Each one was created for a specific type of home such as a condo or renters insurance.  We go over the primary 3 below and in detail to the right.

Learn about the types of home insurance

HO3 - Home

Covers damage to the structure of your home and personal property caused by open perils, lawsuits filed against you, and the costs of temporary relocation.

H04 - Renters

Damage to certain parts of your of your rental home and personal property caused by 16 named perils, lawsuits filed against you, and the costs of temporary relocation.

H06 - Condo

Damage to certain parts of your condo and personal property caused by 16 named perils, lawsuits filed against you, and the costs of temporary relocation.

How Does Home Insurance Work?

Pick Your Options

Your first step is to determine how much coverage you will need for the different insurance types such as dwelling, personal property or loss of use. 

Make Payments

Once the policy is in-force you will make monthly (level) payments for the life of the policy. You should keep your policy even after your home is paid off. 

File A Claim

If your physical home or personal property is damaged by things like fire, lightning or any type covered loss; you would simply need to file a claim to get things covered.

Types Of Home Insurance

"in Plain English” 

There are over 8 different types of home insurance products. Each one was created for a specific type of home such as a condo or renters insurance. We go over the primary 3 below.

Learn about the 8 different types of home insurance.

HO3 - Home

Covers damage to the structure of your home and personal property caused by open perils, lawsuits filed against you, and the costs of temporary relocation

H04 - Renters

Damage to certain parts of your of your rental home and personal property caused by 16 named perils, lawsuits filed against you, and the costs of temporary relocation

H06 - Condo

Damage to certain parts of your condo and personal property caused by 16 named perils, lawsuits filed against you, and the costs of temporary relocation

What Does Home Insurance Cover?

Homeowners  Insurance Covers

"in Plain English” 

Homeowners insurance will cover the actual structure of your home, your personal property and of course both personal and medical liability, we give more details below and show over 65 things covered to the right.

65 Things Home Insurance Covers

Your Dwelling

This type of coverage is usually used to repair or rebuild your home when damage from a covered loss happens. It's always best to purchase your dwelling coverage based on the cost to rebuild your home.

Personal Property

Personal property coverage can cover you if personal items in your home are damaged, stolen or destroyed like furniture and clothes. Your personal property can also be covered even outside of your home.

Other Structures

This is coverage for damage to detached structures that are still a part of your property like garages, sheds, fences, or even a dog house.

Loss Of Use

Loss of use coverage will pay your additional living expenses if you must move out of your home while it's being rebuilt. It will also cover things like rent for properties you own.

Personal Liability

Personal Liability coverage is going to kick in if you or your household are personally responsible for causing bodily harm or property damage to others. 

Medical Liability

Medical liability coverage is also called Medical Payments and will usually kick in to cover medical expenses of any guests that may be hurt while at your home.

What Does Home Insurance Cover?

Homeowners  Insurance Covers...

"in Plain English” 

Homeowners insurance will cover the actual structure of your home, your personal property and of course both personal and medical liability, we give more details below and show over 65 things covered to the right.

65 Things Home Insurance Covers

Your Dwelling

This type of coverage is usually used to repair or rebuild your home when damage from a covered loss happens. It's always best to purchase your dwelling coverage based on the cost to rebuild your home.

Personal Property

Personal property coverage can cover you if personal items in your home are damaged, stolen or destroyed like furniture and clothes. Your personal property can also be covered even outside of your home.

Other Structures

This is coverage for damage to detached structures that are still a part of your property like garages, sheds, fences, or even a dog house .

Loss Of Use

Loss of use coverage will pay your additional living expenses if you must move out of your home while it's being rebuilt. It will also cover things like rent for properties you own.

Personal Liability

Personal Liability coverage is going to kick in if you or your household are personally responsible for causing bodily harm or property damage to others. 

Medical Liability

Medical liability coverage is also called Medical Payments and will usually kick in to cover medical expenses of any guests that may be hurt while at your home.

THE SIMPLY INSURANCE WAY

Home Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. However, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get home insurance coverage within minutes of getting your quotes and applying.

THE SIMPLY INSURANCE WAY

Home Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. However, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get home insurance coverage within minutes of getting your quotes and applying.

How Much Does Home Insurance Cost?

About:  $1,211

In 2017, the average cost of homeowners insurance was $1,211. While 95 percent of homeowners in the United States have homeowners insurance, about 60 percent of them are under-insured.

So, what factors determine the cost of your home insurance policy? 

Your Home

The age of your home affects your policy costs. How old is the plumbing? When was the roof last replaced? Is the wiring copper or aluminum?

Location

The location of your home is one of the largest factors insurance companies take into consideration when creating your policy.

Credit History

You might not be aware of this but you have a completely separate credit score that was made specifically for insurance products.  The better this score, the lower your rates. 

Coverage Levels

Your insurance company will give you several coverage amount options. This amount varies based on your choices. Most of these options can be adjusted. 

Deductibles

This is another option that you can adjust to suit your financial needs. A deductible is the amount of money you must pay before insurance kicks in and pays out.

Discounts

Everything from bundled policies, military discounts, or corporate rates can lower the average cost of homeowners insurance as well as things like making your home safer.

How Much Does Home Insurance Cost?

About:  $1,211

In 2017, the average cost of homeowners insurance was $1,211. While 95 percent of homeowners in the United States have homeowners insurance, about 60 percent of them are under-insured.

So, what factors determine the cost of your home insurance policy?

Your Home

The age of your home affects your policy costs. How old is the plumbing? When was the roof last replaced? Is the wiring copper or aluminum?

Location

The location of your home is one of the largest factors insurance companies take into consideration when creating your policy.

Credit History

You might not be aware of this but you have a completely separate credit score that was made specifically for insurance products.  The better this score, the lower your rates. 

Coverage Levels

Your insurance company will give you several coverage amount options. This amount varies based on your choices. Most of these options can be adjusted. 

Deductibles

This is another option that you can adjust to suit your financial needs. A deductible is the amount of money you must pay before insurance kicks in and pays out.

Discounts

Everything from bundled policies, military discounts, or corporate rates can lower the average cost of homeowners insurance as well as things like making your home safer.

THE SIMPLY INSURANCE WAY

Home Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. However, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get home insurance coverage within minutes of getting your quotes and applying.

THE SIMPLY INSURANCE WAY

Home Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. However, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get home insurance coverage within minutes of getting your quotes and applying.

How Much Home Insurance Do I Need?

Enough To Start Over

"in Plain English” 

On average, most homeowners insurance policies are for around $100,000 and on a mortgaged home
they usually cover how much you paid for the home.  However, the final amount of homeowners insurance that you will need is going to depend on the costs of replacing a few things.

Rebuilding Your Home

You need to make sure that your policy will have enough coverage in it for you to rebuild your entire home based on current costs to rebuild.

Refurnish Your Home

It's easy to stack up over $25,000 in furniture when you think about furnishing your home with dining sets, bedroom sets and other types of chairs and ottomans.  

Your Home Office

The equipment inside of your home office can't be forgotten about either.  Our home offices are just as equipped as actual offices now days so be mindful of the costs.

Things Like Art

While some people collect coins and stamps, others (like myself), have an action figure collection.  Anything that is considered to have Exceptional Value should be covered.

Your Personal Property

Things like your clothes, shoes or other personal property should be accounted for. You don't want a policy that can't cover all of your personal items due to a covered loss. 

Use Our Calculator

We created a pretty cool home insurance calculator that you can use to get a more solid understanding of how much coverage you need. 

Act Like A Detective

"in Plain English” 

When you are deciding on how much home owners insurance you need, it's best to act like a detective. You should also determine if you have specific risks like an exotic pet.

Along with the other factors above, come up with a number and if you can afford it, double the amount of coverage, if not, you still have a great starting point.

How Much Home Insurance Do I Need?

Enough To Start Over

"in Plain English” 

On average, most homeowners insurance policies are for around $100,000 and on a mortgaged home
they usually cover how much you paid for the home.  However, the final amount of homeowners insurance that you will need is going to depend on the costs of replacing a few things.

Rebuilding Your Home

You need to make sure that your policy will have enough coverage in it for you to rebuild your entire home based on current costs to rebuild.

Refurnish Your Home

It's easy to stack up over $25,000 in furniture when you think about furnishing your home with dining sets, bedroom sets and other types of chairs and ottomans.  

Your Home Office

The equipment inside of your home office can't be forgotten about either. Our home offices are just as equipped as actual offices now days so be mindful of the costs.

Things Like Art

While some people collect coins and stamps, others (like myself), have an action figure collection.  Anything that is considered to have any type of Exceptional Value should be covered.

Your Personal Property

Things like your clothes, shoes or other personal property should be accounted for. You don't want a policy that can't cover all of your personal items due to a covered loss. 

Use Our Calculator

We created a pretty cool home insurance calculator that you can use to get a more solid understanding of how much coverage you need. 

Act Like A Detective

"in Plain English” 

When you are deciding on how much home owners insurance you need, it's best to act like a detective. You should also determine if you have specific risks like an exotic pet.

Along with the other factors above, come up with a number and if you can afford it, double the amount of coverage, if not, you still have a great starting point.

THE SIMPLY INSURANCE WAY

Home Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. However, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get home insurance coverage within minutes of getting your quotes and applying.

THE SIMPLY INSURANCE WAY

Home Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. However, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get home insurance coverage within minutes of getting your quotes and applying.

How To Buy Home Insurance Online

Get A Few Quotes

Don't be shy, click through to get some instant quotes for home insurance without having to speak with an agent or give too much personal information. 

Apply For A Policy

Once you have viewed the quotes you can apply online for coverage. The application process is fast and can usually be completed in real time and in one sitting.

You're Covered

By the end of your application you will usually have an approval, at that point all you need to do is pay for your policy and a copy of it will be emailed to you.

Approved In Minutes

"in Plain English” 

We are seeing customers get approved for their home insurance policy within 20 minutes or less.

Get An Instant Home Insurance Quote

How To Buy Home Insurance Online

Get A Few Quotes

Don't be shy, click through to get some instant quotes for home insurance without having to speak with an agent or give too much personal information. 

Apply For A Policy

Once you have viewed the quotes you can apply online for coverage. The application process is fast and can usually be completed in real time and in one sitting.

You're Covered

By the end of your application you will usually have an approval, at that point all you need to do is pay for your policy and a copy of it will be emailed to you.

Approved In Minutes

"in Plain English” 

We are seeing customers get approved for their home insurance policy within 20 minutes or less.

Get An Instant Home Insurance Quote

Home Insurance Company Reviews

Top 3 Companies 

"in Plain English” 

We put together a post that goes over the top 3 home insurance companies in much more detail. 

Check out the top 3 home insurance companies

Home Insurance Company Reviews

Top 3 Companies 

"in Plain English” 

We put together a post that goes over the top 3 home insurance companies in much more detail. 

The top 3 home insurance companies

WE'RE KIND OF A BIG DEAL

We Have Been Seen On


forbes logo
cnbc logo
The Simple Dollar
Reviews.com
think advisor

WE'RE KIND OF A BIG DEAL

We Have Been Seen On


forbes logo
cnbc logo
The Simple Dollar
Reviews.com
think advisor