Homeowners Insurance
With coverage options as low as $25 per month, you’ll feel right at home with InsuRabbit!
Home-Made Savings
Compare Prices On Homeowners Insurance
InsuRabbit Tip:
To secure the best rate, it's smart to get online quotes from at least three different insurers.
InsuRabbit's Choice
Liberty Mutual
• Customized insurance for around $100 per month
• Bundle your insurance policies and save as much as $950
• Save even more by taking advantage of discounts
InsuRabbit's Choice
Lemonade
• Great coverage options starting as low as $25 per month
• Get insured in 90 seconds, and claims paid in 3 minutes
• Bundle your policies and get amazing savings
AAA
• Pay around $100 per month for AAA Home Insurance
• Save even more by bundling your home and auto policies
• AAA members may be eligible for an additional 5% discount
Allstate
• Great coverage you can trust for around $140 per month
• Save Up To 25% When You Bundle Insurance Policies
• Millions Trust Allstate For Their Insurance Needs
Chubb
• Top-quality coverage for around $165 per month
• Save More By Taking Advantage Of Discounts and Bundling
• Policies include extra coverages for maximum protection
Esurance
• Great coverage for around $110 per month
• Save even more by bundling your policies
• Esurance has one of the fastest, easiest claims processes
GEICO
• Get quality coverage for around $115 per month
• Switch to GEICO and you could save big on your premium
• Take advantage of numerous discounts and save even more
The Hartford
• Get coverage for as little as $65 per month
• Bundle your policies and save up to an additional 20%
• Voted #1 in Customer Satisfaction by J.D. Power
Progressive
• Get solid coverage for as little as $100 per month
• Bundle your policies and save up to an additional 5%
• Save even more by taking advantage of numerous discounts
State Farm
• Average cost for coverage is around $150 per month
• Bundle your policies and save as much as $1,127
• Save even more by taking advantage of discounts
USAA
• Customized coverage for around $140 per month
• Bundle your policies and save up to 10% on coverage
• Take advantage of the Claims-Free Discount and get 10% off
Get A Free Custom Quote
• Click the link to get a free online quote in seconds
• Then get ready to save BIG on your policy
Home Insurance Doesn't Have To Be Expensive
In fact, you can get a great deal on home insurance right now. InsuRabbit is an online service that helps homeowners compare rates from the top insurers in their area. We work with many of the top providers, so you can be sure to find the best deal for you.
- Free Quotes
- Custom Coverage
- Consumer Education
- Trusted Resources
- Liability
- Personal Injury
- Get the right coverage
- Don't Overpay
- Learn From Experts
- Instant Quote
Compare Prices On Homeowners Insurance
InsuRabbit Tip:
To secure the best rate, it's smart to get online quotes from at least three different insurers.
InsuRabbit's Choice
Liberty Mutual
• Customized insurance for around $100 per month
• Bundle your insurance policies and save as much as $950
• Save even more by taking advantage of discounts
AAA
• Pay around $100 per month for AAA Home Insurance
• Save even more by bundling your home and auto policies
• AAA members may be eligible for an additional 5% discount
Allstate
• Great coverage you can trust for around $140 per month
• Save Up To 25% When You Bundle Insurance Policies
• Millions Trust Allstate For Their Insurance Needs
Chubb
• Top-quality coverage for around $165 per month
• Save More By Taking Advantage Of Discounts and Bundling
• Policies include extra coverages for maximum protection
Esurance
• Great coverage for around $110 per month
• Save even more by bundling your policies
• Esurance has one of the fastest, easiest claims processes
GEICO
• Get quality coverage for around $115 per month
• Switch to GEICO and you could save big on your premium
• Take advantage of numerous discounts and save even more
The Hartford
• Get coverage for as little as $65 per month
• Bundle your policies and save up to an additional 20%
• Voted #1 in Customer Satisfaction by J.D. Power
Lemonade
• Great coverage options starting as low as $25 per month
• Get insured in 90 seconds, and claims paid in 3 minutes
• Bundle your policies and get amazing savings
Progressive
• Get solid coverage for as little as $100 per month
• Bundle your policies and save up to an additional 5%
• Save even more by taking advantage of numerous discounts
State Farm
• Average cost for coverage is around $150 per month
• Bundle your policies and save as much as $1,127
• Save even more by taking advantage of discounts
USAA
• Customized coverage for around $140 per month
• Bundle your policies and save up to 10% on coverage
• Take advantage of the Claims-Free Discount and get 10% off
Get A Free Custom Quote
• Click the link to get a free online quote in seconds
• Then get ready to save BIG on your policy
What does homeowners insurance cover and how much does it cost?
What is homeowners insurance? It’s a critical component of financial protection that provides coverage for a variety of potential risks and liabilities associated with owning a home. As boring as that sounds, the reality is that it’s essential to understand what homeowners insurance covers, and the factors that influence its cost — which include location, the value of your home, the level of coverage you choose, and more.
What does it cover? Homeowners insurance typically covers a range of scenarios, including damage to your home caused by fire, windstorms, vandalism, theft, and other perils. It also provides liability protection in case someone is injured on your property and you are found responsible. Personal property coverage is another essential component, reimbursing you for the loss or damage of your belongings due to covered events.
How much does it cost? The cost of homeowners insurance can vary widely depending on the location of your home, with regions prone to natural disasters or high crime rates typically having higher premiums. The value and age of your home, as well as the materials it’s made of, also play a role in determining the cost. To find the cheapest homeowners insurance, it’s essential to shop around and compare quotes from multiple insurance providers (which you can do right here on InsuRabbit!). You can often lower your premiums by choosing a higher deductible or bundling your homeowners insurance with other policies, like auto insurance.
Are you required to have homeowners insurance?
While homeowners insurance is not legally required, it is often a necessity imposed by mortgage lenders. Most mortgage lenders will require you to have homeowners insurance to protect their investment in your property. This requirement ensures that if your home is damaged or destroyed by a covered event, the insurance policy will help to repair or replace the property, preserving its value and the lender’s collateral. Without homeowners insurance, lenders may be hesitant to approve your mortgage application.
When it comes to getting homeowners insurance, there are different types of policies to choose from, each offering varying levels of coverage. The type of policy you choose will depend on your specific needs and the type of property you own, but the most common types of homeowners insurance policies include:
- HO-3 (which covers a wide range of perils)
- HO-4 (renters insurance for those who don’t own the dwelling)
- HO-6 (condo insurance for unit owners)
How it works. To buy homeowners insurance, you’ll need to obtain quotes for the coverage you require. It’s a good idea to shop around and compare quotes from multiple insurers to find the best coverage at a competitive price (scroll up — we’ve got you covered!). Once you’ve selected an insurance policy, you’ll typically pay a premium on a regular basis, often monthly or annually, to maintain your coverage. This ensures that your home and belongings are protected, and you comply with your lender’s requirements if you have a mortgage.
Savings Worth Celebrating
How much can you save with InsuRabbit? As much as hundreds per year! Plus, our rabbit-fast process means you can save more, faster.
Here's How It Works
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Click
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Compare Homeowners Insurance plans to maximize savings.
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How to pick the best homeowners insurance policy
Picking the best homeowners insurance policy is a crucial decision when it comes to protecting your most significant investment: your home. To make an informed choice, there are a few key factors to consider when buying homeowners insurance.
First, it’s essential to understand the basics of homeowners insurance. There are various types of policies available, such as HO-3, HO-4, and HO-6, each offering different levels of coverage. The most common choice for homeowners is HO-3, which provides a broad range of protection against various perils, but you should assess your specific needs and property type to decide which policy suits you best.
Research is essential when looking for the best-rated homeowners insurance. Start by gathering quotes from multiple insurance providers to compare their offerings (scroll up to get quotes from a variety of insurers in minutes!). Look at factors like the coverage limits, deductibles, and any additional endorsements or riders offered. Additionally, consider the financial stability and customer service reputation of the insurance company. Online reviews and ratings can be valuable resources to gauge the satisfaction of existing policyholders.
When choosing the best homeowners insurance policy, don’t solely focus on the premium cost. A lower premium may come with higher deductibles or lower coverage limits, which could leave you underinsured in case of a significant loss. Balance affordability with adequate coverage to ensure that your home, belongings, and liability are adequately protected. It’s also a good practice to periodically review your policy to make sure it continues to meet your evolving needs and circumstances.
Why Shop For New Home Insurance?
We know you work hard for your money and that’s why we want to help you save as much as possible on your home insurance. Did you know that shopping around could save you hundreds of dollars a year? Benefits include:
- Better Coverage
- Cheaper Coverage
- Compare Rates
- Compare Coverage
- Lower Deductible
Homeowners insurance discounts that could save you money
Many insurance providers offer homeowners insurance discounts based on factors like security features in your home, such as smoke detectors, burglar alarms, and deadbolt locks. Installing these safety measures can lower your risk and, subsequently, reduce your insurance premiums. Additionally, having a home in a gated community or one that’s located near a fire station can make you eligible for further discounts. You can also save on homeowners insurance by:
- Bundling your policies
- Looking for homeowners insurance online purchase options
- Maintaining a claims-free history
- Determining if you’re eligible for specific homeowners insurance discounts
- And more
Frequently Asked Questions
Here are the answers to some typical questions about Homeowners Insurance.
?
Homeowners who guard against theft, accidents and other losses can often get lower insurance rates and policy discounts. Here are some things you can do to help qualify for lower premiums:
- Secure your home with dead bolts and window locks.
- Install a security system with an outside signal and connection to local police.
- Install and maintain smoke detectors.
- Install a sprinkler system for fire.
- Install a fire alarm that automatically alerts the local fire department.
- Stop smoking.
- Keep walks and entrance ways clear of snow and ice.
Whenever you change something significant about your home or its contents, for example, you should review your coverage:
- when you put on an addition to your home;
- when you start a business from your home;
- when you make a major purchase, such as jewelry or a computer;
- when you purchase other residential properties either for rental or as a second home.
Yes. Typically, homeowners insurance covers you for accidental discharge of water from a plumbing system.
Homeowners insurance policies typically do not cover damage resulting from the following:
- Earth movement
- Water
- Nuclear hazard
- Neglect or failure to make repairs
- Corrosion, deterioration, decay or rust
- Wear and tear
- Contamination
- Fungi
- Increased cost due to enforcement of any building ordinance or law
- Government actions
- Power failure
- Animals or pests
- War
If your home becomes uninhabitable due to a covered loss, insurance pays for those extra costs of housing, eating expenses, etc. up to the applicable limit.
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