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​Why Use Us?​

  • Get instant home insurance quotes online and instant coverage online.
  • Your personal information isn't needed to get house insurance quotes online.
  • Save more time by getting an online home-insurance quote
  • No need to deal with an agent to compare free home insurance quotes.

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So, What Is Homeowners Insurance?

"In Plain English," It's simply protection against the loss of your
home or things in and/or around your home.

homeowners insurance quotes

homeowners insurance covers

A home insurance policy will usually cover things like:

  • ​Your Home
  • ​Other Structures On Your Property
  • ​Certain Possessions Inside Your Home
  • ​Fires Or Lightning
  • Vehicles
  • Smoke
  • Weight Of Ice, Snow Or Sleet
  • Water Damage From Covered Loss

  • ​Liability
  • ​Home Electronics
  • Smart Appliances
  • Windstorms (Hurricanes & Tornadoes)
  • Riots or Civil Commotions
  • Aircrafts
  • Theft Or Vandalism
  • Falling Objects
  • Identity Theft Cause From Break In 

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 like getting Condo Insurance.

Homeowners Insurance Vs Home Warranty plans 

It is very important to note that Home Insurance & Home Warranty Plans are NOT the same thing.  

Home Warranty Plans also known as (appliance insurance), will cover your home appliances from normal wear and tear, or if they stop working or they break.

A specialist will usually be sent out to your home to assist with fixing or replacing a covered item such as:

  • Your Fridge
  • Washer & Dryer
  • Garbage Disposer
  • Dishwasher
  • Buit-In Microwave
  • Water Heater

The main difference is that a homeowners policy will only cover your items if they are damaged due to a covered loss, a homeowners policy will not cover for wear and tear.

Home Insurance Vs Renters Insurance

When it comes to owning a home and renting a home there is a distinct misunderstanding about what homeowners insurance covers and when someone will need renters insurance. 

While both of these types of overages will have personal property insurance attached, cover personal liability, and have a replacement cost option, they are two completely different types of insurance coverage and also offer different insurance discounts.

Renters Insurance

Renters insurance is only for your personal property, your physical unit isn't covered, and your landlord's coverage also won't cover your personal property; your renters policy will cover:

  • Personal Property
  • Personal Liability
  • Medical Coverage

With renters insurance you can easily purchase your coverage with one of your credit cards within a few minutes and usually have a short claim overview process. 

Remember, even though renters insurance will cover your rental, it won't pay out if you die, only life insurance can cover that.

Homeowners Insurance

Homeowners insurance is the best defense you can give your family from a disaster destroying your home and usually covers:

  • Personal Property
  • Personal Liability
  • Medical Coverage
  • Loss Of Use Coverage
  • Other Structures Coverage
  • Structure Coverage

With newer types of home insurance you can easily purchase your coverage using an online quote tool, within a few minutes; and home insurance companies are more equipped to handle catastrophe claims. 

If your car is damaged by a covered loss, then homeowners will kick in, however, in general, you should look to your auto insurance policy to help with almost any auto claim.

Insurance That Works Together With Home Insurance

It is easy to think that one size fits all when it comes to insurance but that just isn't the case. 

There are several types of insurance that you will probably need outside of your home insurance:

  • Business Insurance
  • Earthquake Insurance
  • Boat Insurance
  • Pet Insurance
  • Auto Insurance

This is just a quick list of things, now keep in mind that each policy works different, and you probably will need a special coverage for something like classic cars or fine art.

Getting a homeowner insurance quote is the first step to making sure your house and property is covered.

You can even customize your policy based on your specific situation like getting Condo Insurance.

How Much Homeowners Insurance Do I Need?

​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.

Then, depending on your policy, some things might
have to have a separate policy like coverage jewelry or weapons as well as Liability.

While others, will cover multiple items in one policy.

The amount of homeowners insurance that you will
need is going to depend on a few factors that you

probably haven't thought about. This includes
things like:

  • ​The Cost To Rebuild Your Home
  • ​The Cost Refurnish Your Entire Home
  • ​The Cost Of Your Home Office Equipment
  • ​Anything Of Exceptional Value (Like Art).

​When you are deciding on how much home owners
insurance you need, it's best to act like a detective.

​Figure out what everything will cost you, 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

You can also check out our home insurance calculator

Stats That Prove You Need a Home Insurance Policy

  • ​In 2015, Property damage, including theft, accounted for
    97.1 percent of claims from 5.9% of homes insured.
  • ​Homeowner's claims related to wind or hail are the most
    frequent; the costliest are related to fire and lightning.
  • About one in 15 insured homes has a claim each year.
  • ​No need to deal with an agent to compare home
    insurance quotes.

Should You Get Homeowners Insurance Quotes Online

As with most things, the days of sitting down with someone to purchase anything are going away fast.

With the new technologies in the market you are able to get
lower prices, sometimes up to 25% cheaper than going the old
school route.

Our companies are able to get you a super fast home insurance quote within sixty seconds online and get you covered within a few minutes.

When you get a home owners insurance quote online you save
yourself time and gain peace of mind with immediate coverage.

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