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Homeowner's Insurance

Why HomeCoverage?

Step 1: Apply Once.

Step 2: Choose the quote you like best.

$ $ $ $

Step 3: Get covered —
no matter where you live.

If you've ever bought a home, you've likely spent hours learning about the property, neighborhood, and school district. You may have scoped the place for months. You left nothing to chance — except maybe homeowners insurance.

Most homebuyers see homeowners coverage as one more box to check so they can close the mortgage and move in. But settling for the first policy you see could end up costing you. Here's the good news: whether you bought your policy last week or 10 years ago, you could enjoy major savings by shopping around today.

Wait a Minute — What Exactly Is Homeowners Insurance?

A homeowners policy bundles property and liability coverages. The property portion offers benefits to replace or repair the house itself and the stuff inside when they're damaged by:

  • Fire
  • Hail
  • Windstorm
  • Lightning
  • Theft
  • Vandalism

What Doesn't Homeowner's Insurance Cover?

Floods and earthquakes aren't on that list because most homeowners policies don't cover them. But if you're along a fault line or a coast, you may be able to add endorsements for flood and earthquake damage.

The liability portion deals with your responsibility to the people who visit your home. For example, most home insurance can help pay for damages when…

  • Your dog bites a delivery person.
  • Your neighbor slips on your icy walkway.
  • Your kid destroys a friend's laptop.

Don't think these would ever happen to you? Most people don't. But a homeowners policy gives you the peace of mind to know that, even if they did, you wouldn't have to foot the bills yourself.

Worried about floods or earthquakes? Ask your agent about policy endorsements to cover these risks.

Isn't Homeowners Insurance Expensive?

Not if you shop around! You may be surprised at how much you can save when you compare offers. makes that simple. Fill out one application, and our system sends you multiple quotes to compare.

Of course, some factors that affect your policy price are beyond your control:

  • Geography. Areas known for bad weather or high crime may have higher rates.
  • Construction materials. Brick homes are often less expensive to insure than wooden ones.
  • Location. Think: distance from the fire department.
  • Your home's value. Insurers consider what your house is worth and what it might cost to repair.

Of course, you can't pick up your Florida beach house and move it to Kansas, but you can choose the right insurance provider. Every company has preferred risk types, so even if one company quotes you sky-high rates, another might offer something affordable. That's why shopping around is so important.

By comparing quotes from multiple insurers, you can end up saving hundreds of dollars.

By comparing quotes from multiple insurers, you can end up saving hundreds of dollars.

There are other ways to cut costs, too:

  • Make only major claims. Claims can drive up your rates. If a repair costs less than your deductible, it might make more sense to pay for it yourself.
  • Choose a reasonable deductible. Remember: you have the coverage for a worst-case scenario. So when you use it, you'll actually need to be able to afford that deductible.
  • Install burglar alarms and sprinklers. Insurers may offer discounts for them.
  • Update older fixtures. Modern plumbing and electrical systems are typically less risky than old ones.

Carriers weigh the impact of each cost-cutting measure differently, so remember to look at multiple quotes side by side.

I Already Have a Homeowners Policy — Is It Too Late to Jump Ship?

It's never too late to change carriers. Your current carrier might charge a cancellation fee for early termination, but it may be a drop in the bucket compared to what you save by switching.

Say your cancellation fee is $80, and you find similar homeowners coverage that saves you $400 a year. You still come out ahead. Switching may be the sensible move if the coverages are similar.

Aren't All Homeowners Policies the Same?

Nope. Homeowners policies vary from provider to provider. That said, typical policies cover…

  • The house itself.
  • Detached structures, such as fencing or sheds.
  • Your personal belongings.
  • Trees, plants, and shrubbery.
  • Your personal liability.
  • Family members' liability.
  • Damage to others caused by your pets.
  • Immediate medical care for injured visitors.

Homeowners insurance doesn't cover…

  • Damage from floods.
  • Damage from earth movement (earthquakes, sinkholes).
  • Sewer back-up.

Does Homeowners Insurance Cover Any of the Expensive Stuff?

It can. Just because something isn't covered by a standard insurance policy doesn't mean it's uninsurable. Most of the excluded damages listed above can be covered by adding an appropriate rider.

Think of riders as mini insurance policies. You can use them to cover most things, such as expensive personal property or a home business. When you get quotes from several providers, you get a better idea of these coverage options.

And while we're talking about expensive stuff, consider that homeowners insurance can cover lawsuits that really break the bank. For example, say a neighbor fractures their leg on your property. If they sue, you could be on the hook for:

  • Lawyers' bills.
  • Medical bills.
  • Court costs.
  • Settlements.
  • Judgments.

Your homeowners insurance can typically handle these costs so you don't have to.

Doesn't Shopping Around for Homeowners Insurance Take a Lot of Time?

Not if you use Take 5 minutes to fill out an application, hit "Submit," and it goes to top homeowners insurance companies that send quotes for you to compare. Pick the policy that suits your needs and budget, and that's it.

Ready to see how much you can save? Fill out an application and start comparing homeowners insurance quotes today.