Home Insurance, Minus The Homework.

Tell us about your house. We'll tell you what you may qualify for — in about two minutes.

No phone tag, no sales pitch, and no pretending every house is the same. A 30-year roof and a new build are different problems, and we treat them that way.

Takes about 2 minutes
No SSN needed
No obligation to buy

Check My Eligibility How Home Insurance Works

Guidance you can trust Licensed insurance guidanceSecure & privateNo obligation to buy

AI Eligibility Assistant Secure & Private

1 Basics
2 Property
3 Condition
4 History
5 Review
6 Results

Hi, I'm your home insurance eligibility assistant. Tell me your name and we'll get started — then a few quick questions about your home to see what you may qualify for.

First, what's your name?

Enter your name

What state is the home in?

Select your state

What year was it built?

e.g. 1998

How old is the roof, in years?

e.g. 8

Eligibility Estimate82%

Most homeowners may qualify for coverage with a top-rated carrier.

Your information is encrypted and never shared without your consent.

What we'll help you cover

Dwelling

The structure itself — what it would cost to rebuild your home, not what you paid for it.

Personal Property

Your belongings inside, from furniture to electronics, usually a percentage of the dwelling limit.

Liability

If someone is hurt on your property, or you damage someone else’s, this is the part that responds.

Loss of Use

Somewhere to live while the house is repaired after a covered loss.

New to home insurance? Start with our complete homeowners insurance guide — what each coverage does, what it costs, and how much you actually need.

A simpler way to shop home insurance

Answers in minutes

A few questions about your home is all it takes. You'll see where you stand before anyone calls you.

We ask about the roof

Because every carrier does. Roof age moves your eligibility more than almost anything else, so we ask up front instead of at the inspection.

Straight talk about flood

Flood is not covered by a home policy — not anywhere, not by anyone. We'd rather tell you now than let you find out after a storm.

A market for older homes

Older roof, older house, a claim or two? Specialty carriers write all of it. You get pointed at the right one instead of a dead end.

How It Works

1

Tell us about the house

State, what kind of home it is, the year it was built, and roughly what it would cost to rebuild.
2

Tell us about its condition

Roof age and any claims in the last five years. These two answers do most of the work.
3

See your eligibility estimate

A straight read on what you may qualify for, and a link through to a top-rated carrier to finish a real quote.

Common Questions About Home Insurance

Quick answers — tap through for the full guide.

How much is homeowners insurance?

What homeowners actually pay, what moves the number, and where your rate is likely to land.

What does homeowners insurance cover?

Dwelling, contents, liability, loss of use — and the exclusions that surprise people most.

How does homeowners insurance work?

From deductible to claim payout — how a home policy actually behaves when something goes wrong.

Best homeowners insurance companies

Who writes what, who handles claims well, and how to compare them without the marketing.

Licensed guidance

We are a licensed insurance agency, not a lead broker. The guidance here is the same we would give you on the phone.

We say when to walk away

If your current policy is already a good deal, we'll say so. Nothing here is worth your money if it doesn't fit.

Plain-English answers

No jargon, no fine-print games. If we can't explain a coverage in a sentence, we shouldn't be selling it.

Affiliate disclosure: Simply Insurance may receive compensation when readers click partner links and an eligible policy is approved.

This tool provides an eligibility estimate, not a quote or a binding decision. Rates, underwriting rules, and carrier availability vary by state and by property. Flood and earthquake are not covered by a standard homeowners policy and require separate coverage. Mobile and manufactured homes are typically written on a specialty policy.