Home Insurance Quotes Comparison
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Living expenses are hard to juggle.
But when it comes to security and peace of mind at home, you shouldn’t have to compromise.
Home insurance is the first step to protecting your property investment. The problem is, shopping for homeowners policy often leads to:
- Complex insurance industry jargon
- Confusing coverage limits
- Shady insurance agents
- Unclear pricing structures
What’s a homeowner to do?
Enter Insurify.
We’re making it easier for homeowners across the nation to start their savings journey.
Home Insurance Quotes Comparison
Before Insurify
- Fill out multiple forms
- Spend hours online and on the phone
- Bait-and-switch pricing
- Unclear commission rates for independent agents
- No simple way to compare coverage options
Total Time: 5 Days
Boring 😴
With Insurify
- Fill out one simple questionnaire
- Tell us about your home and coverage preferences
- Get real quotes from homeowners insurance providers
- Unlock discounts and toggle between coverage options
- Purchase online or over the phone
Total Time: 5 Minutes
Easy! Fast! Free! 🥳
Factors That Affect Your Home Insurance Rate
Your Neighborhood
Geographic variables like population density, crime rates, and weather patterns may affect your insurance costs. More frequent natural disasters in your region may mean higher rates due to higher risk of property damage.
Your Credit Score
Legally, insurance companies in most states can’t refuse you coverage just because you have a low credit score. But if your score is high enough, it could lead to a discount.
Home Type
Coverage needs vary for different kinds of homes. A free standing home will need different coverage than a condo. These elements will affect your policy rate.
Your Home
What’s your home made of? Brick houses typically cost less to insure than those made of wood, which is flammable and prone to rot. Older homes and structurally unsafe homes will demand higher insurance premiums as well.
Your Deductible Amount
The higher the deductible, the lower your premium. The lower your deductible, the higher your premium. Just be sure not to set your deductible so high you can’t afford it in the event of a claim.
Attractive Nuisances
They call them attractive nuisances for a reason. Backyard activities like swimming pools, treehouses, and trampolines will cause your premiums to increase.
Your Demographics
Married? Single? Divorced? Who lives in your home? These details may affect your policy rates.
Your Claims
If you already have a homeowners insurance policy, your claims history may lead to higher homeowners insurance rates. More insurance claims means rate hikes in the future. Always pause before you file a new claim: is it worth the rate increase next year? Determine which issues are easily solved,, and which require an insurance payout.
Your Roof
When was the last time your roof was replaced? What material is it made of? These characteristics may have an impact on your insurance costs.
What Does Homeowners Insurance Cover?
Home insurance includes coverage that repairs or replaces your property if it is damaged by perils like theft or fire. Home insurance policies also cover when someone is injured on your property. And some homeowners insurance policies even pay for costs incurred when you accidentally damage someone else’s property.
Here’s what’s included in a standard home insurance policy:
Liability Coverage
Covers medical bills, lost wages, and legal costs associated with injuries that take place on your property, up to coverage limits.
Your Personal Property
Any belongings damaged in the above-described events can be reimbursed to varying extents, depending on your predetermined personal property coverage levels.
Your Dwelling and Other Structures
Your physical house and other structures on your property are covered in the event of a theft or criminal property destruction, such as vandalism. It also covers damages from fire, windstorms, and hail. What’s the weather like where you live? Do you live in a mobile home? These unique caveats will impact your premium.
Additional Living Expenses (ALE) Coverage
Covers expenses associated with living in your home while you wait for claim-related repairs or restoration.
So what doesn’t homeowners insurance cover?
Damages arising from earthquakes and floods usually require separate insurance policies.
Earthquake insurance and flood insurance packages are typically available as add-ons to your regular insurance policy.
Home Insurance Discounts
Each homeowners policy is different, but discounts abound if you know where to find them.
You might even qualify for discounts for features of your house that are total no-brainers. However, as your home is an investment, many of these potential policy discounts are a result of purchases, installations, or renovations you’ve already made to improve the safety and security of your dwelling.
Here are some examples of homeowners insurance discounts for which you might qualify:
POLICY-RELATED
Bundling/multi-policy discount
Loyalty discount
Over time, if you stick with a homeowners insurance provider, you could save on your policy – but often only after years of customer loyalty.
Claims-free discount
Homeowners with a demonstrated history of no claims are often rewarded. Try all means necessary to prevent a property claim, and you could see your rates fall over time.
Paying in full discount
If you’re demonstrably able to pay for your homeowners insurance in one lump sum, an insurance provider may mark down the price of your premium.
IDENTITY-BASED
Married or widowed discount
As is the case with other types of insurance policies, sometimes it pays to get hitched.
Mature homeowners discount
Older homeowners are more likely to be home, and most burglaries occur during daylight hours.
HOA discount
If you’re part of a homeowner’s association (HOA) in your neighborhood, it’s likely that you’re subject to high home-maintenance standards.
SAFETY AND SECURITY
Monitored burglar system discount
Your personal belongings are important to you. They’re also important to a burglar. A house equipped with a proper burglar alarm system to stave off theft is seen as a less risky investment to insurers, who have to pay partial or full replacement cost for your stolen property.
Monitored fire alarm system discount
Got an up-to-date smoke alarm installed in your home? Expect some savings from your provider.
Impact-resistant roof discount
If you live in a heavily forested area or are otherwise at risk for roof damage, make sure the structural integrity of your roofing is up to snuff.
Home improvements discount
If you’ve made moves to improve any aspect of your home since purchasing your policy, be sure to notify your insurer.
Gated community discount
For an insurance company, the fewer threats to the safety of your house, the better.
New home discount
Older homes are prone to degradation; buying a new house that’s up to code might lower your risk profile.
Non-smoker discount
Smoking is one of the top common causes of house fires.
| State | Average Annual Premium |
|---|---|
| Alabama | $3205 |
| Alaska | $1361 |
| Arizona | $1803 |
| Arkansas | $4133 |
| California | $1240 |
| Colorado | $3009 |
| Connecticut | $1158 |
| Washington, D.C. | $1211 |
| Delaware | $1111 |
| Florida | $1410 |
| Georgia | $2673 |
| Hawaii | $372 |
| Idaho | $1226 |
| Illinois | $2093 |
| Indiana | $1547 |
| Iowa | $2488 |
| Kansas | $4025 |
| Kentucky | $3620 |
| Louisiana | $2226 |
| Maine | $1179 |
| Maryland | $1080 |
| Massachusetts | $1177 |
| Michigan | $2141 |
| Minnesota | $3342 |
| Mississippi | $2302 |
| Missouri | $2351 |
| Montana | $1785 |
| Nebraska | $3195 |
| Nevada | $1336 |
| New Hampshire | $1140 |
| New Jersey | $921 |
| New Mexico | $3202 |
| New York | $1138 |
| North Carolina | $1463 |
| North Dakota | $3750 |
| Ohio | $2242 |
| Oklahoma | $5397 |
| Oregon | $1218 |
| Pennsylvania | $1184 |
| Rhode Island | $1610 |
| South Carolina | $2785 |
| South Dakota | $3656 |
| Tennessee | $2039 |
| Texas | $3645 |
| Utah | $1475 |
| Vermont | $956 |
| Virginia | $1863 |
| Washington | $1345 |
| West Virginia | $1666 |
| Wisconsin | $1358 |
| Wyoming | $1821 |
| NATIONAL AVERAGE | $2071 |
Average Home Insurance Premium by Company
| Insurance Company | Annual Premium |
|---|---|
| Acuity | $2389 |
| AIG | $1005 |
| Allstate | $1604 |
| American Family | $1576 |
| Amica | $1501 |
| Erie | $2449 |
| Farmers | $2386 |
| Foremost | $2549 |
| Grange | $818 |
| The Hartford | $1610 |
| Mercury | $2227 |
| Nationwide | $1346 |
| PEMCO | $649 |
| Plymouth Rock | $1584 |
| State Auto | $1766 |
| State Farm | $2205 |
| Travelers | $1640 |
| USAA | $1544 |
| Westfield | $1002 |
After getting your quote list with Insurify, ask your insurance agent for more details about your discount eligibility.
Insurify Home Insurance FAQs
What is the best home insurance comparison site?
Insurify lets homeowners compare home insurance quotes and save money on their policy in a matter of minutes. Unlock discounts and save on your annual premium with a real quote from a large or small homeowners insurance provider. Other home insurance comparison sites include Policygenius.
Why should you compare home insurance quotes online?
Comparing home insurance quotes on Insurify saves you time, money, and stress. Entering the same personal information directly on many company or lead generation websites may leave you susceptible to unwelcome spam calls and emails. With Insurify, users can compare homeowners insurance quotes on one secure platform, without the risk of spam.
Who offers the best home insurance?
The best homeowners insurance policy for you will vary based on multiple factors. Even so, some home insurance companies get uniformly high marks. Insurify’s official list of the best home insurance companies deems COUNTRY Financial, USAA, and Allstate, the best home insurers of 2020.
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