Lauren Lewthwaite Last Updated On: June 27, 2023

How to Get the Best Online Homeowners Insurance Quote, Fast & Free!

Homeowners insurance is designed to help protect you and what’s typically your most valuable asset: your home. Should something go wrong, homeowners insurance can financially protect you and ensure that you can recover. 

In fact, homeowners insurance is so important that it’s often required in order to get a mortgage for a house because the bank also wants to protect their investment. 

What Does Homeowners Insurance Cover?

Knowing exactly what you’re covered for under homeowners insurance can give you peace of mind. While of course, no one wants their house to sustain hail or fire damage, it’s important to be prepared for the worst. Your home, after all, is a significant investment.

Homeowners insurance covers the following in most policies:

  • Dwelling and other structures: Homeowners insurance covers damage to your home and other structures on your property, like a garage, pool, and shed.
  • Personal property: Your belongings inside your home are also protected from damage or theft to certain limits.
  • Personal liability: If someone gets injured on your property (eg. a dog bite, or slipping on ice), homeowners insurance protects you from being held personally and financially liable. It also covers medical expenses incurred from the injury.
  • Living expenses: If your home is damaged and unlivable, homeowners insurance also helps compensate for living expenses like a hotel and food.

Your homeowner’s policy will lay out exactly what’s covered as well as any exclusions. Your home is generally protected from fire, hail, vandalism, lightning theft, water damage, hazard and more.

Your coverage will help you repair the damage or rebuild completely, as well as reimburse you to replace your belongings. These belongings could include jewelry, electronics, furniture, appliances, clothing, and more.

Just be aware: There is usually a limit on the reimbursement for these items though, and that will depend on your policy.

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Getting Homeowners Insurance: Which Type to Choose?

There are several different types of homeowners insurance and these options help you customize the coverage you want versus the premiums you want to pay.
  • HO2: This is the most basic form of homeowners insurance. It covers your dwelling, structures, and personal property for only named perils, meaning that anything you’re covered for will be explicitly listed on your policy.
  • HO3: This is the next step up and the most common form of homeowners insurance. HO3 covers your dwelling and structures for open perils (meaning hazards need to be listed to be excluded from your coverage), while your belongings would be covered for named perils only. The coverage is, therefore, wider and more attractive to most homeowners.
  • HO5: This is the top tier of homeowners insurance, and it covers both your dwelling/structures and belongings on an open peril basis. It’s important to note that almost no provider will cover natural disasters like earthquakes and flooding, regardless of the policy type.
There are various add-ons to homeowners insurance you can purchase, such as covering your jewelry even when it’s not in your home, trees, and plants in your garden, luggage while traveling, and more.

The Most Affordable Homeowners Insurance

For many, choosing the right homeowners insurance will often come down to which policy is most affordable. But it’s more important to understand the scope of coverage in the policy because saving money short-term could cost you big time down the road if there’s damage to your home or property. 

Make sure you understand the costs of repairing or rebuilding your home, the value of your personal assets in case someone sues after being injured in your home, and the value of your belongings like jewelry. This can help you determine which type of homeowners insurance is right for you and the coverage limit that will protect you best. 

The goal with homeowners insurance is to be fully covered should disaster strike, so that you’re not financially devastated. Choosing coverage that mostly covers the cost to rebuild can still leave you in a precarious financial situation, so it’s safer to get full coverage. 

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Get Homeowners Insurance Quotes Online

Now that you know the type of homeowners insurance you want, it’s time to start thinking about getting a homeowner insurance quote. Most people opt to get homeowners insurance quotes online. It’s safe, free, and instant—or close to it. 

While many online insurance quote services give you many quotes, our platform is unique in that our sophisticated software does the comparing for you, matching you with the best coverage for the best price, based on the information you give us. 

And we only source quotes from the top providers of homeowners insurance. These are carriers who offer the most robust homeowners coverage at the best possible price.

Instant Homeowners Insurance Quote

You can get quick quotes for homeowners insurance that will give you a pretty good idea of what you’ll have to pay. Although the quotes are pretty much instant, there are things you can be doing long-term or right before renewal to improve your overall risk level in the eyes of insurance providers and get lower rates.

  1. Improve your credit score
  2. Avoid filing claims for minor damage
  3. Maintain your home with general repair and upkeep
  4. Bundle insurance policies, like car and home
  5. Update your policy if you’ve made a major purchase to ensure coverage
  6. Ensure you’re getting all discounts you’re entitled to, especially for newly purchased homes
  7. Compare homeowners insurance quotes online (and make sure you read the terms to accurately compare)

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Final Thoughts on Getting an Online Homeowners Insurance Quote

Homeowners insurance is not a small expense, but it can save you thousands or more in damage should something terrible happen. Being prepared with the right coverage is critical to ensure you and your family don’t face financial hardship in the future. 

While homeowners insurance can be high, it doesn’t mean you can’t find the best affordable homeowners insurance for you and your needs. Get the best online home insurance quote and evaluate your assets. This will help you get the coverage you need at a price you can live with. 


Homeowners insurance covers your dwelling and structures on your property, your personal property, your personal liability, medical expenses for someone injured on your property, and additional living expenses incurred for a damaged home. It covers damage from weather, theft, vandalism, fires, and more, although your specific policy will lay out the inclusions and exclusions.

Get an instant homeowners insurance quote online. When you receive a quote from us, you can rest assured you’re getting the coverage you need at a price you can afford.

You should ensure your coverage limit would cover the cost to rebuild your house if needed, and repair any damage. You should also ensure that if you’re sued by someone who gets injured on your property that your coverage will protect you and your assets. If you live in a high-risk area with tornadoes, fires, or regular break-ins, prepare to pay higher rates of homeowner insurance.

No provider covers flooding; insurance for flooding would need to be purchased separately if you can get it at all. Earthquakes are also rarely ever covered in your standard homeowner’s insurance policy. Other uninsurable events include power failures, neglect, war, nuclear hazard, and more.


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