What a home insurance quote is based on
Homeowners insurance quotes are built from the estimated cost to rebuild your property, its age, roof and construction, the deductible you choose, your claims history and local risk. Comparing homeowners insurance quotes only works when those inputs match.
Dwelling coverage
Helps repair or rebuild the structure of your home after a covered loss. Rebuild cost estimates matter more than market value here.
Personal property
Covers belongings such as furniture, electronics and clothing. High-value items may need scheduled coverage.
Personal liability
Helps if someone is injured on your property or you cause damage to someone else's property. Limits are adjustable.
Loss of use
May help with temporary living costs if a covered loss makes your home uninhabitable.
Renters & condo policies
If you rent or own a condo, coverage focuses on your belongings and liability rather than the whole building.
Choosing a deductible
A higher deductible usually lowers the premium but raises what you pay out of pocket on a claim. Some policies also carry a separate percentage deductible for wind, hail or hurricane losses, depending on the state.
Bundling & deductible reviews
Reviewing deductibles, limits, and auto plus home bundles together may help you save. Savings are never guaranteed.
Have this handy when you call
- Property address and year built
- Approximate square footage
- Roof age and material
- Current coverage limits and deductible
- Security or safety features (alarms, sprinklers)
Coverage availability, eligibility and final pricing are determined solely by the insurer and vary by state.
Talk with a licensed agent
Free, no-obligation quote information for auto, home, renters and condo insurance. No pressure.