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In just minutes, we provide you free home insurance quotes. We do all the work so you don’t have to. Who knew saving money is this easy?
Great Home Insurance Protection
is a Comparison Quote Away
Our home insurance companies offer the right protection at an unmatched value. Consumers who compare quotes can pay less per year on average. Getting a comparison homeowners insurance quote is a simple as share, compare, and save!
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Home Insurance Quotes Done Right
Alarm Systems and Safety Devices
If you have security and safety devices protecting your home, you may qualify for home insurance discounts. Alarms, automatic sprinklers, gated communities, water shut-off systems, are all examples of ways to save on homeowners insurance.
*These types of discounts can range from 5-10% in savings each.
Bundle Auto & Home Insurance
If you own a home, you could be saving up to 3 percent on your auto insurance policy. Want to save even more? Bundling your home and auto insurance can save you up to 8 percent on your current coverage costs.
*Data provided by Value Penguin.
Your Credit Record Affects Home Insurance Rates
Just like with your car insurance, your credit record will have a significant inpact on your home insurance premiums. How you manage your credit record is used to measure responsibility. A poor score can increase your homeowners insurance rates.
*Data provided by Consumer Reports. Credit use is not applicable California.
Get Your Replacement Cost Right
You need to have enought insurance to rebuild your home, so don’t underestimate your home replacement cost estimate. Get this right and you’ll have the right protection in the event of a total loss
*Data provided by Consumer Federation of America.
Choose the Right Insurance Company
There are hundreds of home insurance companies in the market, comparison shopping just makes sense, and could save you serious money. Get a comparison homeowners insurance quote and get started.
*Look for the premium badge for broader protection.
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Not All Insurance Companies are the Same
Your coverages may seem the same, but the difference is often found in the actual policy language, customer service, and claims handling. The truth is, not all insurance companies are made equally.
Watch the video below and see some some of the ways home insurance companies can differ in the level of protection provided.
- Customer Service
- Claims Service
- Breadth of Coverage
- Policy Language
- Policy Exclusions
- Permissive User Protection
- Replacement Vehicle Coverage
Quick Facts: Homeowners Insurance Premiums
Rank Insurance Group Written Premium Market Share 1 State Farm $18,170,243 18.4% 2 Allstate $8,262,445 8.4% 3 Liberty Mutual $6,655,452 6.7% 4 USAA $6,170,558 6.2$ 5 Farmers $5,795,044 5.9% 6 Travelers $3,766,277 3.8% 7 American Family $3,399,406 3.4% 8 Nationwide $3,184,627 2.9% 9 Chubb $2,832,082 1.7% 10 Erie $1,675,976 1.9% Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Rank (2) State Average premium Rank (2) State Average premium 1 Louisiana $1,967 27 Kentucky $1,085 2 Texas (3) 1,937 28 Illinois 1,042 3 Florida 1,918 29 Hawaii 1,026 4 Oklahoma 1,875 30 Maryland 1,022 5 Kansas 1,548 31 Indiana 1,003 6 Mississippi 1,525 32 California (4) 1,000 7 Rhode Island 1,496 32 New Mexico 996 8 Connecticut 1,455 32 Alaska 974 9 Massachusetts 1,451 35 Virginia 966 10 Colorado 1,446 36 New Hampshire 965 11 Nebraska 1,402 37 Michigan 952 12 Alabama 1,386 38 Iowa 945 13 Arkansas 1,348 39 Pennsylvania 927 14 Minnesota 1,340 40 West Virginia 917 15 New York 1,309 41 Vermont 898 16 South Carolina 1,285 42 Maine 866 17 Missouri 1,280 43 Ohio 850 18 North Dakota 1,239 44 Washington 822 19 District Of Columbia 1,225 45 Delaware 816 20 Georgia 1,200 46 Arizona 803 21 Tennessee 1,185 47 Wisconsin 762 21 New Jersey 1,174 48 Nevada 742 23 Montana 1,130 49 Idaho 703 24 South Dakota 1,125 50 Utah 664 25 Wyoming 1,120 51 Oregon 659 26 North Carolina 1,098 United States $1,192 Source: © 2018 National Association of Insurance Commissioners (NAIC).
Cause of loss 2013 2014 2015 2016 2017 Property damage (2) 95.5% 95.8% 96.3% 96.6% 98.1% Fire and lightning 28.5 23.9 21.6 25.0 35.1 Wind and hail 30.0 28.7 21.2 34.1 38.2 Water damage and freezing 27.1 34.0 46.1 30.2 19.5 Theft 3.4 2.4 1.7 1.8 1.0 All other property damage (3) 6.4 6.8 5.6 5.5 4.4 Liability (4) 4.5 4.2 3.7 3.4 1.9 Bodily injury and property damage 4.3 4.0 3.6 3.2 1.8 Medical payments and other 0.2 0.2 0.2 0.2 0.2 Credit card and other (5) (6) (6) (6) (6) (6) Total 100.0% 100.0% 100.0% 100.0% 100.0%
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