Home Insurance Quotes

How it Works

Tell Us About Your Home

Tell us a little about yourself and your home so we can match you with the best insurance options.

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Get Connected to Insurers

We will connect you to insurers in your area that you are already prequalified for so that you can compare options for protecting your home.

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Find the Best Rate

When you’re ready, pick the coverage and price that is right for you and your home.

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Why buy homeowners insurance?

Your home may be your biggest investment. The purpose of home insurance is to help you recover financially after a disaster, whether it's a house fire, a natural disaster like a tornado, or even certain lawsuits against you.

You may need to buy homeowners insurance because it's required by your mortgage lender. But even if your house is paid off, home insurance is an important financial safety net.

How are homeowners insurance quotes calculated?

Home insurance quotes are based on details about the house, its location and you personally. Factors in price include:

  • The cost to rebuild the house (determined by size, construction type and local construction costs).
  • The town's fire protection rating.
  • Claims in the area (such as thefts or past natural disaster claims).
  • Your credit (except in California, Massachusetts and Maryland).
  • Your history of making home insurance claims.
  • The coverage levels you choose, including coverage amounts for your possessions (called contents coverage) and liability (for claims against you).

What does homeowners insurance cover?

All standard homeowners policies cover at least the 16 problems, called "perils," shown below. The most common type of home insurance policy, called an HO-3 policy, goes beyond that to cover any problem except those specifically excluded.

What's covered by homeowners insurance

How much will homeowners insurance cost?

The average cost of home insurance nationwide is $1,173, according to the National Association of Insurance Commissioners.

State Average home insurance cost
Alabama $1,728
Alaska $1,028
Arizona $921
Arkansas $1,746
California $857
Colorado $1,481
Connecticut $1,309
Countrywide $1,238
Delaware $830
District of Columbia $1,057
Florida $2,517
Georgia $1,363
Hawaii $927
Idaho $837
Illinois $1,064
Indiana $1,211
Iowa $1,175
Kansas $1,831
Kentucky $1,353
Louisiana $2,528
Maine $952
Maryland $1,030
Massachusetts $1,235
Michigan $1,036
Minnesota $1,530
Mississippi $2,021
Missouri $1,468
Montana $1,285
Nebraska $1,774
Nevada $799
New Hampshire $999
New Jersey $1,057
New Mexico $1,166
New York $1,329
North Carolina $1,341
North Dakota $1,521
Ohio $997
Oklahoma $2,482
Oregon $722
Pennsylvania $1,044
Rhode Island $1,490
South Carolina $1,557
South Dakota $1,476
Tennessee $1,407
Texas $2,243
Utah $745
Vermont $917
Virginia $991
Washington $849
West Virginia $1,190
Wisconsin $862
Wyoming $1,289
Source: National Association of Insurance Commissioners, 2017 home insurance report. Used with permission. Based on $300,000 to $399,999 in coverage

What's not covered by home insurance

Homeowners insurance company reviews

How to save money on homeowners insurance quotes

  • Get home insurance quotes from multiple companies. Prices will vary for the same coverage.
  • Buy your auto and homeowners insurance from the same insurer. This "bundling" discount is typically one of the better insurance discounts.
  • Ask about discounts for smoke detectors, fire alarms or security systems.
  • Discounts will vary by company but can also include price breaks for being a loyal customer, using automatic withdrawals for payments, not having home insurance claims, and being over age 55 and retired.

EverQuote can connect you with agents who can give you homeowners insurance quotes and personalized service by answering any questions you have.

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