How to Get the Best Homeowners Insurance

How to get the best homeowners insurance starts right here with our free quote comparison tool below. Enter your ZIP code below to compare policies and premiums from multiple local companies to see which offers the best home insurance coverage for you. You can also check with your current provider to see which discounts you qualify for to get the best homeowners insurance rates.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 22, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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You just bought your dream home in your dream neighborhood. End of story, right?

Wrong!

If you want to protect your dream house, you’ll want to get the best homeowners insurance. The process to buy homeowners
insurance is really not difficult, but it does take some to research to evaluate the number of companies that claim to offer the best home insurance rates.

Homeowners insurance rates depend on a number of factors. You would be wise to consider the following general guideline in order to compare homeowners insurance quotes:

  1. Do some research to understand the basic principles of homeowners insurance. For example, who regulates insurance in your particular state? While private insurance companies do decide the actual homeowners insurance rates, each state’s insurance department regulates these rates. In addition, since the state insurance department is the approving authority, it is only after they approve the rates, can insurance companies then present these to their customers.
  2. Before committing to a particular insurance company, and applying for homeowners insurance, shop around to compare home insurance quotes. Taking this step will help ensure that you are getting the best possible rates.There are a number of different resources to help you compare homeowners insurance rates:
    • Talk to your local bank.
    • Discuss options with a credit union.
    • Talk to your current insurance company.

    In most cases, you can do an initial research online since most major financial institutions and insurance companies have websites.

  3. Talk to your current insurance company. You may be able to get a better deal, if you already have, let’s say, an automobile policy with them.

These days, you’ll find there are some insurance companies that own their own security companies. In these cases, the company might offer you better rates if you install one of their home security system products, including motion sensors or video surveillance cameras. In addition, they may offer discounts on these products if you purchase a homeowners policy with them.

Finding the Best Homeowners Insurance Rates

Once you’ve done your research, and you’ve narrowed down a selection of insurance providers, you’ll want to determine which one offers the best rates.

Today, the information, that ten years ago may have taken days, or even weeks to collect, can now be gathered in a few minutes online. In a matter of minutes you can get a quote from insurance companies, and quickly see which ones offer the best coverage at the most affordable price.

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