Homeowners Insurance - Free Home Insurance Quote (2024)

What is homeowners insurance?

Homeowners insurance is a type of property insurance that provides financial protection to homeowners in the event of damage or loss to their private residence and its contents. Home insurance may also offer liability coverage against certain types of accidents that occur within your home or on your property. If you own your home, having reliable homeowners insurance is important to safeguard against unexpected accidents or events that could lead to significant financial losses. Enjoy peace of mind by getting a homeowners insurance quote online today, and then customize your coverage with innovative discounts, support from a local insurance agent, and more.

Property Damage

Personal Property

Personal Liability

Medical Bills

Living Expenses

• Mon – Fri

  7:00 AM – 11:00 PM (ET)

• Sat – Sun

  8:00 AM – 10:30 PM (ET)

• Are there ways I can help protect my home?

  Preventive maintenance can save you a lot of time and money over the life of your home. This interactive guide can help you identify potential problems before they arise.

• How much homeowners insurance coverage do I need?

  First, start by knowing what is commonly included in a homeowners policy, then identify your wants and needs to ensure you are getting the coverage you desire. While certain coverages may not be able to be changed to ensure your home is properly protected, understating what is included and knowing what protections you want will help you make the right selections when purchasing a policy.

• What does homeowners insurance cover?

  You might need more homeowners insurance coverage and not even realize it. Here are some commonly overlooked areas that could be putting you and your family at more financial risk than necessary.

• What risks does a homeowners insurance policy cover?

  Homeowners insurance policy coverages change based on your location, but they typically cover risks, such as:

  • Theft
  • Fire and smoke damage
  • Windstorm or hail damage
  • Falling objects
  • Frozen plumbing
  • Water damage caused by plumbing, water heaters, appliances, and heating or cooling systems

• What determines the cost of our homeowners insurance?

  1. Replacement cost
     If your home is destroyed in a fire, how much would it cost to rebuild it? The actual cost is the replacement value. This amount includes materials, labor, inflation, and availability of building materials. Estimated replacement cost is the difference from the current tax assessment or market value of your home. This cost accounts for the actual cost to rebuild your home.
  2. Location, location, location
     Risks like extreme weather, distance to a fire hydrant, and crime rate all can impact your premium. For example, you might pay more for waterfront property or if you're located in an area prone to flooding. The cost of construction varies by region, which is another factor that determines the cost of your homeowners policy.
  3. Age and condition of specific things like the age of the roof, building materials and renovation of home systems.
  4. Your deductible amount. The higher your deductible you select, the lower your premium
  5. Home safety devices like smoke detectors, burglar alarms and dead bolt locks can help you stay safe and lower the costs

• How can I prevent claims at my home?

  Clutter can take many shapes. Homeowners should be aware of potential risks, liabilities, and hazards before they occur. This will help to avoid future accidents.

• What should I know about a property inspection?

  A home inspection is a routine part of the insurance process to confirm the condition of the home, location and to determine replacement cost.
  Here's what you should expect in the process

  • The inspection will be performed by a representative of your insurance company.
  • You don't have to be present for the inspection.
  • If an interior review is needed, the inspection company will schedule an appointment.
  • The inspector will look at the exterior of your home to include your yard and roof.
  • If the inspector needs to verify features impacting replacement cost, they may request to see the interior of your home.
  • Once the inspection is complete the information will be reviewed to determine if it is necessary to make any changes to your policy to ensure that your home is adequately protected.
  • If hazards are found in the inspection, the next steps will vary and may include requiring repairs or cancelling the policy.
  • To learn more 5 Questions To Ask Your Home Inspector.

• Should I get an umbrella insurance policy too?

  Umbrella insurance gives you extra protection from accidents and lawsuits. If you injure someone or damage their property, you might not have enough coverage. An umbrella policy could save you from paying out of your own pocket.

• Do I need flood insurance for my home?

  Do you think living far from the coast means your home is safe from flooding? The truth is floods can occur anywhere.
  Floods can occur outside of high-risk flood zones. Something else to consider, most homeowners insurance policies don't cover flood damage. You may want to consider flood insurance.