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Rates vary widely across insurers for the same coverage. These are average monthly premiums for a $300,000 dwelling policy with a $1,000 deductible.
| Company | Avg/Mo | Rating | Quote |
|---|---|---|---|
| USAA | $98/mo | 4.9 | Get Quote → |
| Erie Insurance | $106/mo | 4.7 | Get Quote → |
| Amica Mutual | $112/mo | 4.8 | Get Quote → |
| State Farm | $125/mo | 4.6 | Get Quote → |
| Allstate | $142/mo | 4.5 | Get Quote → |
| Farmers | $138/mo | 4.4 | Get Quote → |
| Nationwide | $131/mo | 4.4 | Get Quote → |
| Liberty Mutual | $156/mo | 4.3 | Get Quote → |
*Rates are national averages for $300K dwelling, $1K deductible, $100K liability. Your rate may differ based on location, home age, claims history, and credit.
A standard HO-3 homeowners policy includes six coverage types. Understanding each helps you avoid gaps and avoid paying for coverage you don't need.
Covers the physical structure of your home — walls, roof, foundation, built-in appliances — against covered perils like fire, wind, hail, and lightning.
How much do you need?
Insure for the full replacement cost of your home, not the market value. Replacement cost is typically 20–30% more than you think. Ask your insurer for a replacement cost estimator.
Protects your belongings — furniture, electronics, clothing, appliances — if stolen, damaged, or destroyed by a covered peril.
Actual cash value vs. replacement cost
Standard policies pay actual cash value (depreciated). Upgrade to replacement cost coverage for about 10% more premium — it pays to replace items at today's prices.
Covers legal expenses and damages if someone is injured on your property or you accidentally damage someone else's property.
How much liability coverage?
Standard policies include $100K. Experts recommend at least $300K–$500K. If your net worth exceeds your liability limit, consider an umbrella policy for $1M+ coverage.
Pays for temporary housing, restaurant meals, and other extra costs if your home is uninhabitable after a covered loss.
Typically 20% of dwelling coverage
If your home takes 6–12 months to rebuild, ALE covers hotel costs, rental housing, and increased living expenses above your normal costs.
Covers detached structures on your property — fences, sheds, detached garages, guest houses, and swimming pools.
Usually 10% of dwelling coverage
If you have a large detached garage, pool house, or workshop, you may need to increase this beyond the default 10%.
Pays minor medical bills for guests injured on your property regardless of fault — no lawsuit needed.
Typically $1,000–$5,000
This is a goodwill coverage that handles small injuries (a guest trips on your steps). It prevents small incidents from becoming lawsuits.
Flood damage (requires separate NFIP or private flood policy)
Earthquake damage (requires separate earthquake policy)
Sewer/drain backup (add as endorsement, ~$50/year)
Normal wear and tear or neglected maintenance
Termite or pest damage
Mold from ongoing leaks (sudden mold may be covered)
Insurers evaluate dozens of variables to price your policy. These are the most significant factors — and what you can control.
| Factor | Impact |
|---|---|
| Home Location | Very High |
| Home Age & Condition | Very High |
| Replacement Cost | High |
| Credit Score | High |
| Claims History | High |
| Deductible Amount | Medium |
| Roof Age & Material | Medium |
| Proximity to Fire Station | Medium |
Most homeowners qualify for multiple discounts but never ask. Stacking these can reduce your premium by 25–40%.
Bundle home + auto insurance with the same company for the biggest single discount.
Homes less than 10 years old have newer systems and qualify for significant discounts.
Monitored alarm systems, smart locks, and video doorbells can lower your premium.
Class 4 impact-resistant shingles reduce hail damage risk and earn substantial discounts.
No claims in 3–5 years demonstrates low risk and earns increasing loyalty discounts.
Paying your annual premium upfront avoids installment fees and earns a discount.
Water leak detectors, smart smoke alarms, and connected thermostats prevent claims.
Deadbolts, fire extinguishers, sprinkler systems, and storm shutters all qualify.
Rates vary dramatically by state. Oklahoma, Kansas, and Texas are among the most expensive. Vermont, Utah, and Oregon are the cheapest.
Get an accurate estimate of what it would cost to completely rebuild your home. Don't confuse market value with replacement cost — they're often very different. Ask your insurer or a local contractor for a replacement cost calculator.
A higher deductible ($2,500 instead of $1,000) can save 10–15% on premiums. But make sure you can comfortably pay that amount out-of-pocket if disaster strikes. In hurricane-prone areas, separate wind/hail deductibles may apply.
The same $300K dwelling policy can vary by $800+/year between insurers. Use InsuranceBuddies to see quotes from 100+ companies side-by-side. Never auto-renew without shopping — rates change annually.
Bundling your home and auto insurance with one company typically saves 15–25% on both policies. This is usually the single biggest discount available. Compare bundled vs. separate quotes to confirm.
Home values, rebuilding costs, and your belongings change over time. Review your policy each year to ensure coverage matches your needs. Update your personal property inventory and ask about new discounts you may qualify for.
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