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 $1,192 a year, according to the National Association of Insurance Commissioners.

State Average annual home insurance cost
Alabama $1,386
Alaska $974
Arizona $803
Arkansas $1,348
California $1,000
Colorado $1,446
Connecticut $1,445
Delaware $816
District of Columbia $1,225
Florida $1,918
Georgia $1,200
Hawaii $1,026
Idaho $703
Illinois $1,042
Indiana $1,003
Iowa $945
Kansas $1,548
Kentucky $1,085
Louisiana $1,967
Maine $866
Maryland $1,022
Massachusetts $1,451
Michigan $952
Minnesota $1,340
Mississippi $1,525
Missouri $1,280
Montana $1,130
Nebraska $1,402
Nevada $742
New Hampshire $965
New Jersey $1,174
New Mexico $996
New York $1,309
North Carolina $1,098
North Dakota $1,239
Ohio $850
Oklahoma $1,875
Oregon $659
Pennsylvania $927
Rhode Island $1,496
South Carolina $1,285
South Dakota $1,125
Tennessee $1,185
Texas $1,937
Utah $664
Vermont $898
Virginia $966
Washington $822
West Virginia $917
Wisconsin $762
Wyoming $1,120
Source: National Association of Insurance Commissioners, 2018 rates

What's not covered by home insurance


Learn about home insurance in your state

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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