Get Instant Homeowners Insurance Quotes Online

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. 

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. 

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.

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

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

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

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 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.

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 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 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 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.

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.

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

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. 

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.

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.