Home Insurance Rates

Home insurance rates can vary based on where you live and the age of your home. Enter your ZIP code below to shop for home insurance quotes from local companies to get a fair rate on your policy. Financial experts advise comparing homeowners insurance rates and reviewing your policy every six months to save even more money.

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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: Jul 16, 2021

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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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Getting home insurance rates online is one of the best ways to save money on your homeowners insurance. Begin by filling a quote request that describes you and your home, and then receive a set of quotes from local insurance agents that can be compared to determine which one offers the best prices, coverage and service. You should also read insurance company reviews to see how current and former customers rate the company you’re considering.

Financial experts advise comparing home insurance rates and reviewing your policy every 6 months. As your life and financial situation change, such as getting married or improving your credit score, your costs for otherwise identical coverage could change as well. The key is to know which discounts you qualify for and to make sure they are included in the quote in order to get cheap home insurance.

It is a good idea to talk to a local agent when shopping for home insurance. He can suggest discounts you may have missed and explain any options that may be available to increase the financial security of you and your family. Requesting home insurance rates online help you get in touch with a knowledgeable and experienced agent in your area that can assist with your policy purchase.

When you get your home insurance rates, make sure that the policy includes enough personal property coverage to replace your belongings if a covered event occurs. Most policies only cover personal property up to a certain, named percentage of the policy value, while the average family owns thousands of dollars in personal property.

Another area where a standard policy might fall short is with liability coverage, the type of insurance that pays for damages or injuries that your family or property causes to someone else. Increasing this amount of coverage when you get a home insurance quote can prevent financial ruin. Enough coverage will prevent you from being sued directly if, for example, a tree on your property fell on your neighbor’s house and caused severe damages.

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