How to Compare Home Insurance Quotes in 2025

Knowing how to compare homeowners insurance quotes is important if your rates skyrocket or you have a negative customer service experience.

You can compare quotes with an agent, but it’s much faster to get a home insurance quote online.

All you need is your coverage level, address, and the year and square footage of your house. You can switch providers at any time, so compare quotes regularly to find more competitive homeowners insurance coverage.

Keep reading to learn what you need to compare house insurance quotes. Then enter your ZIP code to get free quotes from local companies.

How to Compare Home Insurance Quotes

To get cheap home insurance quotes, follow these steps to compare homeowners insurance rates by coverage, policy, location, and company.

Step 1: Determine Your Coverage Needs

How much homeowners insurance do you need? Your mortgage will set a minimum limit (typically 80% of your home’s value), but you may want higher limits based on the value of the personal items you own. Some policies automatically provide one or the other.

If you want higher limits, then you will want replacement cost home insurance, as it doesn’t include depreciation.

You’ll also want to consider what types of home insurance coverage you want included on your home insurance policy.

Home insurance policies will often include dwelling coverage and liability on a standard policy, but there may be a few extras you want included.

Types of Home Insurance Coverage

For example, you may want to include living expenses on your policy if you wouldn’t have anywhere to stay during house repairs on a covered claim.

These extra coverages do drive up the cost of a quote for homeowners insurance, though, so only carry extra coverages that you deem to be worth the cost.

Step 2: Pick the Best Policy for Your Home

Understanding the eight types of homeowners insurance policies will help you pick the right policy for your dwelling before getting a quote for home insurance.

HO-3 Special Form policies are the most popular for homes, but HO-5 and HO-8 have higher coverage limits for high-value and historic homes.

Types of Home Insurance Policies

If you are a renter, you will need an HO-4 policy. This policy covers the contents of your rental home or apartment if your belongings are damaged, vandalized, or stolen in a covered claim.

There are also different policy types for condo and mobile home owners, who often have different needs than homeowners.

Step 3: Compare Top Insurance Providers

It is important to research the popular providers in your area to understand your options before getting quotes for home insurance, as you are trusting a company to protect you financially in a disaster.

You’ll want to consider not just a company’s rates on a homeowners quote, but also its claims satisfaction and financial strength.

10 Best Home Insurance Providers

Some of the best home insurance providers include USAA, Chubb, and Lemonade, as they have high satisfaction ratings.

You can also compare auto and home insurance quotes at once to see if you can save money by bundling insurance policies. Most of the best companies offer a hefty multi-policy discount to homeowners who buy different types of coverage (Read More: Best Auto and Home Insurance Bundles).

Step 4: Review Custom Offers Side-by-Side

When buying homeowners insurance, you need to compare quotes to find an affordable policy at one of the cheapest home insurance companies. Choose home insurance websites that compare quotes or independent insurance agents to compare house insurance quotes.

Before you buy a policy, you should get quotes from at least three home insurance companies for a thorough homeowners insurance quote comparison.

The easiest and fastest way to get home insurance quotes is online, where you can compare multiple providers at once.

Your most common resources for online property insurance quotes are company websites or comparison websites.

• Company Websites: Visit provider websites to get quotes directly from the companies you want to know more about.
• Comparison Websites: Free resources from the best home insurance comparison sites help you compare quotes by region.

Doing your own research online is an easy way to compare home insurance prices, but be honest about your coverage needs, credit history, and property value. Online insurance quotes are only as accurate as the information you provide.

Review quotes for homeowners insurance side by side to better understand the market rates and range of options available in your area. This will prepare you to negotiate better terms when you’re ready to buy a policy.

If you are using a quote tool for homeowners insurance quotes comparison, you can often get quotes from multiple companies after just answering a few quick questions, such as the type of home you are insuring.

After you’ve answered the necessary questions, the home insurance comparison tool will collect quotes from several different companies to find which offers the best deal for your needs.

Make sure to review each quote in the homeowner insurance comparison list you get for accuracy and double-check the list of exclusions and endorsements before signing up for coverage.

You will also want to make sure you buy enough coverage to meet the terms of your mortgage lender and homeowners’ association.

Get Accurate Home Insurance Quotes

When you compare home insurance rates by ZIP code, you can quickly see how your current policy stacks up against others (Read More: How to Estimate Home Insurance Costs Based on Where You Live). You’ll get the most accurate home insurance quotes if you provide detailed information about your square footage, property age, recent renovations, and other similar home information.

This is because the answers to these questions are directly related to the factors that impact your auto insurance rates.

Factors That Impact Home Insurance Premiums

Insurance agents and comparison websites like this one both need this information to gather quotes and help you look at rates for homeowners insurance to compare and find what is best for you, so keep it handy as you research and review homeowners insurance quotes near you.

For example, you’ll want to make sure to note any security systems you have in your home, as most providers will offer a discount for the lower burglary risk when you get quotes on a comparison home insurance site.

Experts say fake security cameras are surprisingly effective at keeping burglars away.
Would you install them? https://t.co/cVvx1vkgq3 pic.twitter.com/HLmr5boJjG

— Erie Insurance (@erie_insurance) April 11, 2017

You’ll also want to disclose information about the number of residents in the home, including any pets, and the type of heating and cooling systems you have.

Having animals that are considered low liability risks and updated HVAC systems could result in a lower rate when getting homeowners insurance comparison quotes.

Home Insurance Average Cost in the U.S.

When you are shopping for quotes, getting average base prices from different companies can give you an idea of what to expect.

For example, going with a more expensive company like Amica will result in higher rates than choosing a cheaper company like Lemonade (Read More: Lemonade Insurance Review).

Home Insurance Monthly Rates by Dwelling Coverage

When calculating your rates for a homeowners insurance comparison quotes, insurers consider the replacement cost of your home when setting quotes.

Providers will also consider your credit score, claims history, and neighborhood, and homes in higher-risk areas will cost more to insure.

However, each insurer weighs these risk factors differently when comparing home insurance rates. One company may not charge as much for a poor credit score as another company.

This is why it’s important to compare homeowner insurance quotes from multiple companies to find the best deal on home insurance.

How Location Impacts Premiums

Where you live will impact what you pay for home insurance coverage. For example, high crime rates or risk of natural disasters will raise home insurance costs.

When you compare house insurance by state, some of the most expensive states for home insurance include Nebraska, Florida, and California. States like California often have high rates due to wildfire risk.

States with cheaper rates include Hawaii, New Hampshire, and Vermont (Learn More: Home Insurance Rates by State). These states have less severe weather risks and lower crime rates.

Rates are cheaper because claims are less frequent. For example, Hawaii’s mild weather means that there won’t be many weather-related claims.

How Coverage Level Affects Cost

The amount of coverage you need for your home will also impact the cost of a quote for house insurance when you get a home insurance price comparison.

When comparing home insurance quotes, a $500,000 home naturally costs more to insure than a $300,000 home because any claim payouts for repairs or replacement will be higher.

Home Insurance Monthly Rates by Dwelling Coverage

If you own a home that is more expensive to insure due to its value, make sure you are doing research into the best home insurance for high-value properties.

For example, when you look at an average homeowners insurance comparison by company, some of the cheapest companies for a $500,000 home include Allstate, Erie, and Lemonade.

How Risks Impact Rates

Two big factors that will raise risk and increase your rates in home insurance comparisons are the age or value of your home and the local weather.

When you do a house insurance comparison by age, older homes cost an average of $6 more per month to insure than a standard home, as older homes are more prone to damage and breakdowns. If you have an older home, making updates to the home, such as replacing an old roof, can help lower your rates.

Home Insurance Monthly Rate Increases by Risk Factors

The local weather also has a huge bearing on your home insurance costs. Living in a high-risk weather area raises rates by an average of $20 per month.

While there is not much you can do about the weather in your state, you can take some precautions to protect your home, such as adding fire-resistant roofing if you live in a high-risk fire state (Learn More: Does homeowners insurance cover wildfires?).

How Credit Affects Cost

When you compare homeowners insurance, having a good credit score is essential to securing a reasonable home insurance rate. Companies often increase rates for customers with poor credit scores, as these customers are more likely to miss payments.

For instance, a customer with an excellent credit score will pay $14 less per month on average at Allstate than a customer with a poor credit score (Read More: Allstate Insurance Review).

Home Insurance Monthly Rates by Credit Score

If you have a poor credit score, take the time to shop around for home insurance quotes to compare rates and see which is the cheapest provider for customers with your credit score.

You can also work on improving your credit score, which will help reduce your home insurance rates over time.

Finding the Best Insurance for Your Home

Knowing how to compare homeowners insurance will help you get the best coverage and customer service. Regularly compare homeowners insurance companies, even if you already have a policy.

This initial research and home insurance quote comparison will prepare you for discussions with agents, helping you negotiate better terms and find homeowners insurance coverage to protect you from the most dangerous threats facing American homeowners.

Some of the best home insurance comparison sites allow you to instantly compare side-by-side quotes from top insurers. Enter your ZIP code below to get started today with free quotes for a thorough home owner insurance comparison.