Compare home insurance quotes
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Compare home insurance quotes online from top providers like Allstate, Chubb and State Farm. It's quick, easy and entirely free.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
See what homeowners are being quoted from Coverage for home insurance.
Homeowners insurance quotes by company
The average cost of homeowners insurance is $2,424 per year for $300,000 in dwelling coverage. However, your rate will likely differ. Insurers use a number of personal rating factors to calculate home insurance premiums, such as your claims history, where you live, the age of your home and the amount of coverage you need. Bankrate’s insurance editorial team put together this guide on how to compare home insurance quotes to help you shop with confidence.
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|---|---|---|---|---|
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665
/1,000 |
$227
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$2,723
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||
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680
/1,000 |
$166
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$1,994
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||
|
773
/1,000 |
$270
|
$3,240
|
||
|
705
/1,000 |
$249
|
$2,985
|
||
|
676
/1,000 |
$215
|
$2,577
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||
|
709
/1,000 |
$169
|
$2,031
|
||
|
697
/1,000 |
$221
|
$2,652
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||
|
661
/1,000 |
$184
|
$2,209
|
||
|
678
/1,000 |
$232
|
$2,787
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||
|
746
/1,000 |
$104
|
$1,243
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|
|
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|---|---|---|---|
|
665
/1,000 |
$258
|
$3,090
|
|
|
680
/1,000 |
$184
|
$2,208
|
|
|
773
/1,000 |
$306
|
$3,675
|
|
|
705
/1,000 |
$285
|
$3,420
|
|
|
676
/1,000 |
$249
|
$2,986
|
|
|
709
/1,000 |
$191
|
$2,298
|
|
|
697
/1,000 |
$239
|
$2,866
|
|
|
661
/1,000 |
$202
|
$2,423
|
|
|
678
/1,000 |
$266
|
$3,194
|
|
|
746
/1,000 |
$115
|
$1,374
|
|
|
|
|
|
|---|---|---|---|
|
665
/1,000 |
$318
|
$3,814
|
|
|
680
/1,000 |
$220
|
$2,638
|
|
|
773
/1,000 |
$378
|
$4,534
|
|
|
705
/1,000 |
$356
|
$4,271
|
|
|
676
/1,000 |
$318
|
$3,821
|
|
|
709
/1,000 |
$237
|
$2,838
|
|
|
697
/1,000 |
$276
|
$3,311
|
|
|
661
/1,000 |
$238
|
$2,856
|
|
|
678
/1,000 |
$335
|
$4,019
|
|
|
746
/1,000 |
$137
|
$1,642
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|
|
|
|
|
|---|---|---|---|
|
665
/1,000 |
$503
|
$6,041
|
|
|
680
/1,000 |
$297
|
$3,558
|
|
|
773
/1,000 |
$584
|
$7,008
|
|
|
705
/1,000 |
$535
|
$6,422
|
|
|
676
/1,000 |
$521
|
$6,257
|
|
|
709
/1,000 |
$388
|
$4,660
|
|
|
697
/1,000 |
$391
|
$4,690
|
|
|
661
/1,000 |
$337
|
$4,045
|
|
|
678
/1,000 |
$549
|
$6,586
|
|
|
746
/1,000 |
$202
|
$2,421
|
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Bankrate tip: Home inventory
Creating a home inventory can help you determine how much personal property coverage you need, spot potential gaps in your policy, and speed up the claims process after a loss. To get started:
- List items room by room and take photos to match.
- Record details for big ticket items like furniture and appliances, such as make, model, value and purchase date.
- Estimate the value of smaller items in bulk.
- Flag valuables like jewelry or antiques that may need scheduled personal property coverage.
- Store your inventory securely, ideally in a digital and physical format.
- Update it as you buy or sell items.
Compare home insurance rates
Answer a few questions to see personalized rates from top carriers.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How to compare home insurance quotes
Most insurance professionals agree that comparing home insurance quotes is one of the best ways to find the rates, coverage options, discounts and other policy features that work best for you.
Whether you’re a first-time homeowner or a seasoned property owner looking to switch insurers, preparation is key. If you already have a homeowners policy, keep it handy along with basic personal details. You will likely be asked for co-owner information, prior insurance claim history and your Social Security number, which may be used to check your credit-based insurance score.
Additionally, you will need to know the contact information for your mortgage company and your escrow account details.
Knowing the specifics of your property will help ensure that your insurance carrier will calculate the accurate rebuilding cost of your home. In addition to the square footage and the age of the home, you will want to know how old the roof is, if there are any custom features, and the material types of interior and exterior finishes. Your realtor can provide you with this information if you don’t know it.
Here’s how to start comparing home insurance quotes, step by step:
Step 1: Consider your coverage needs
You and your next-door neighbor may have similar homes but wildly different home insurance needs. To help you determine how much home insurance is right for you, it is first helpful to understand what a typical home insurance policy includes — and excludes — so you can structure a policy that works for you.
What does home insurance typically cover?
Home insurance policies consist of a few different coverage types; each one is subject to its own limit (either a specific dollar amount or percentage) and is designed to financially protect homeowners in different ways. Below, we’ve detailed the coverage types found in a standard home insurance policy:
| Coverage type | Coverage amount | What it covers |
|---|---|---|
| A - Dwelling coverage | Estimated cost to rebuild your home | Your home’s physical structure if it is damaged in a covered loss |
| B - Other structures | Up to 10 percent of dwelling coverage amount | Non-attached structures like a gazebo, fence or shed if they are damaged in a covered loss |
| C - Personal property | Between 50 and 70 percent of dwelling coverage amount | Your personal belongings in your home, plus limited coverage for your belongings housed in other locations (like a storage unit) |
| D - Additional living expenses (also known as loss of use) | Between 20 and 30 percent of dwelling coverage amount | Expenses, like a hotel room and restaurant bills, if you are displaced from your home due to a covered loss |
| E - Personal liability | Between $100,000 and $500,000 | Legal expenses if you or a member of your household is found negligent for someone else’s injuries or property damage |
| F - Medical payments | Between $1,000 and $5,000 | Guests medical bills if they are injured on your property |
What does home insurance not cover?
Home insurance is not all-inclusive or all-encompassing. Some common exclusions include:
- Earthquake and land movement damage
- Flood damage
- Wear and tear and neglect
- Pest damage
- War
- Nuclear hazard
- Power failures
- Government action
- Theft from a dwelling while under construction
- Vandalism and malicious mischief to a dwelling left vacant for more than a specified amount of time, typically 30 or 60 consecutive days
- Intentional bodily injury or property damage by the insured
The state you live in may also determine what perils are excluded from standard home insurance policies. Regions with frequent threats of loss from tornadoes and hurricanes may have wind and hail exclusions. For example, Texas windstorm insurance is an endorsement purchased by many residents with homes near the Gulf of Mexico. Some Florida home insurance policies can include a separate hurricane deductible. California homes in high-risk wildfire zones may have limited wildfire coverage, as well, or an insurer may exclude wildfire damage from the policy altogether.
Just because something is excluded from your home insurance policy does not mean you can’t be covered for it, though. Home insurance providers sell separate endorsements for other perils like earthquakes and floods for further financial protection.
Bankrate tip: ACV vs RCV
Your personal property is insured at either its actual cash value (ACV) or replacement cost value (RCV), depending on what your insurer offers. In the event of a covered loss, ACV pays out the current value of your items after taking depreciation and your deductible into account. RCV, on the other hand, pays out what it would cost to replace the item with a new version today, minus the deductible. Some policies automatically cover personal property at actual cash value, but others require the homeowner to purchase an RCV endorsement. If an insurer offers RCV and ACV policies, an RCV policy will likely result in a higher premium.
For example, suppose your living room furniture cost $6,000 five years ago when you bought it. If it depreciated 7 percent a year, today's current value is about $3,900, a depreciation of $2,100. However, to replace it with a similar living room set costs about $7,000. If you have a $1,000 policy deductible, here is how the two options would play out if that furniture were destroyed in a covered loss:
- ACV: $7,000 (replacement cost) - $2,100 (depreciation) = $4,900 (actual cash value) - $1,000 (deductible) = $3,900 (claim payout)
- RCV: $7,000 (cost new of similar furniture) - $1,000 (deductible) = $6,000 (claim payout)
Step 2: Get quotes from several home insurance companies
Once you know what you are looking for in a company, experts recommend requesting quotes from several home insurance providers that might fit your needs. You can collect quotes a few different ways:
- Get a home insurance quote online: Online home insurance quotes are a great place to begin. Some carriers may allow you to purchase your policy entirely online, while others will put you in contact with an agent to complete the process. Getting a handful of quotes online can help give you a better estimate of what your home insurance policy will cost.
- Use a captive insurance agent: A captive agent works for one insurance provider. As such, working with a captive agent is typically best if you’ve already chosen a company but need help building or finalizing your policy.
- Go through an independent agent or broker: If you prefer personalized service and want help gathering quotes, then working with an independent insurance agent or broker could be the best choice. Unlike captive agents, independent agents can provide you with home insurance quotes from multiple companies. Independent agents and brokers typically earn a commission from your policy, so be mindful of upselling.
- Use a home insurance calculator: While it’s not an exact quote, entering your info into a home insurance calculator can give you a clearer picture of what to budget for your policy.
Experts recommend collecting between three and five home insurance quotes to better gauge what your policy will really cost.
As an agent, I would see the impact that simple paperwork mishaps would have on policyholders. The most common debacle would stem from not having the accurate information for the mortgage company on file. This would often result in a policy cancellation or the homeowner shorting their escrow account. To be safe, always confirm with your insurance agent that your policy has the most up-to-date account number and mailing address for the mortgage company, especially if you have changed insurance carriers or switched mortgage companies.Shannon Martin, Bankrate Insurance Analyst
Learn more: How to switch home insurance companies
Step 3: Review each home insurance quote for accuracy
Once you have your quotes on hand, it’s time to scan them for accuracy. Review the documentation you receive and ensure that each home insurance quote is in line with the information you provided. Your coverage amounts may vary based on each insurance company’s valuation tool, but as long as your quotes are in the same ballpark, you should be able to compare them.
Aside from coverage amounts, you will also want to take a close look at the deductible, the policy type and whether your belongings are insured on an actual cash value or replacement cost value basis. These may seem like minor details but can have a major impact on what you wind up paying for your policy.
If your mortgage company is listed on your home insurance policy, be sure to review that information, as well. Your home insurance company should have an up-to-date mailing address for your mortgage lender for bills, renewal notices and other important policy documents.
Step 4: Choose your home insurance policy
Your budget is an important consideration when searching for the perfect home insurance policy. However, it is not the only thing to think about. Hopefully, you never need to file a home insurance claim, but if disaster strikes, you’ll want to know that your insurance company will be there for you when you need it. As such, experts recommend choosing a company that has a strong financial history, high rates of customer satisfaction and robust coverage offerings.
Example of how to compare homeowners insurance quotes
Choosing the right homeowners insurance means looking beyond just premium costs. While two policies might seem similar at first, differences in coverage levels and deductibles can impact both your monthly payments and your protection level.
The table below provides a hypothetical comparison of quotes from three companies (Company A, Company B and Company C). These examples illustrate how varying coverage limits and deductible amounts influence the yearly premium.
| Coverage | Company A | Company B | Company C |
|---|---|---|---|
| Annual premium | $1,573 | $1,712 | $1,589 |
| Dwelling coverage | $275,00 | $300,000 | $325,000 |
| Personal property coverage | $137,500 (50% of Dwelling) | $150,000 (50% of Dwelling) | $162,500 (50% of Dwelling) |
| Liability coverage | $300,000 | $100,000 | $500,000 |
| Deductible | $1,500 | $1,000 | $2,000 |
Shopping for home insurance isn't as simple as comparing price tags. Dwelling coverage, liability protection and deductibles all play their own important role in determining your annual premium.
Take a closer look at how these elements interact: Company C might seem like it should be pricier at first glance with its robust dwelling and liability coverage, but the policy balances this with a higher deductible to keep premiums reasonable. Company B offers lower liability limits compared to Company A, but the policy’s reduced deductible could be attractive if minimizing immediate out-of-pocket expenses after a claim is a priority.
There isn’t a right or wrong answer as to which quote is better. The quote you choose will depend on your needs, budget and risk tolerance. You may want to work with a licensed agent if you have any questions or require specialty coverage.
What comparison shopping really boils down to is the importance of considering the full picture. Rather than fixating on simple cost or individual policy features, it's important to evaluate how all these components work together. This more holistic approach helps ensure you're not just getting good coverage on paper, but rather coverage that aligns with both your needs and financial constraints.
Compare home insurance quotes by state
Homeowners insurance rates vary significantly by state. Our homeowners insurance quote comparison shows that the most expensive state on average for home insurance with $300K in dwelling coverage is Nebraska at $6,587 per year. The cheapest average state for home insurance is Vermont, at $827 per year. Even if the cost of home insurance is higher than average in your state, you may be able to find more affordable rates by comparing homeowners insurance quotes and looking for discounts.
Average home insurance cost by state
The average annual home insurance premium for a home with a dwelling coverage amount of $300,000.
|
|
|
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|---|---|---|
|
$3,114
|
$260
|
|
|
$1,035
|
$86
|
|
|
$2,331
|
$194
|
|
|
$3,287
|
$274
|
|
|
$1,641
|
$137
|
|
|
$3,412
|
$284
|
|
|
$1,700
|
$142
|
|
|
$966
|
$80
|
|
|
$5,838
|
$486
|
|
|
$2,041
|
$170
|
|
|
$1,296
|
$108
|
|
|
$1,409
|
$117
|
|
|
$2,225
|
$185
|
|
|
$1,666
|
$139
|
|
|
$2,446
|
$204
|
|
|
$4,444
|
$370
|
|
|
$3,540
|
$295
|
|
|
$6,274
|
$523
|
|
|
$1,219
|
$102
|
|
|
$1,751
|
$146
|
|
|
$1,733
|
$144
|
|
|
$2,368
|
$197
|
|
|
$2,852
|
$238
|
|
|
$3,353
|
$279
|
|
|
$2,191
|
$183
|
|
|
$2,801
|
$233
|
|
|
$6,587
|
$549
|
|
|
$1,074
|
$89
|
|
|
$1,039
|
$87
|
|
|
$1,214
|
$101
|
|
|
$2,179
|
$182
|
|
|
$1,860
|
$155
|
|
|
$2,951
|
$246
|
|
|
$2,776
|
$231
|
|
|
$1,364
|
$114
|
|
|
$4,695
|
$391
|
|
|
$1,091
|
$91
|
|
|
$1,278
|
$107
|
|
|
$2,347
|
$196
|
|
|
$2,611
|
$218
|
|
|
$3,152
|
$263
|
|
|
$2,672
|
$223
|
|
|
$3,899
|
$325
|
|
|
$1,283
|
$107
|
|
|
$827
|
$69
|
|
|
$1,706
|
$142
|
|
|
$1,539
|
$128
|
|
|
$1,047
|
$87
|
|
|
$1,303
|
$109
|
|
|
$1,306
|
$109
|
|
|
$1,525
|
$127
|
Other factors to consider when comparing home insurance quotes
Cost is usually the top priority for many shoppers when comparing home insurance quotes, but that is only one factor out of several that matter. From customer service to the ease of doing business, here are a few other factors to consider:
- Would you prefer a company with 24/7 customer service?
- Do you want to make policy changes independently from an agent?
- Are you more comfortable speaking to an agent in person, over the phone or via chat?
- If a claim were to arise, do you want to submit it through your carrier's app or over the phone?
- How much does customer service matter to you?
Researching companies can be a big undertaking, which is why we created Bankrate Scores. Our proprietary scoring system aims to provide a quick look at the quality of products and services that each home insurance company offers. On a scale of 0.0 to 5.0, Bankrate Scores reflect third-party ratings from companies like AM Best and J.D. Power, average premiums as provided by Quadrant Information Services, digital tool availability and more. Here’s how some of the biggest names in home insurance rank according to our Bankrate Scores:
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|---|---|
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4.8
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4.6
|
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4.3
|
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4.2
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4.2
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4.1
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4.0
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4.0
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3.7
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|
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3.6
|
Explore reviews of top carriers
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
- Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
Bankrate Score
Our Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
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