Compare home insurance quotes: 2024 marketplace

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By

Pat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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Reviewed by

Fabio Faschi, PLCS, SBCS, CLCSFabio Faschi, PLCS, SBCS, CLCSLicensed Property & Casualty Insurance ExpertFabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker.

Updated

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

Compare home insurance quotes: Find the best coverage & rates today

Comparing home insurance quotes from multiple insurers is the best way to find the right coverage for your needs at the cheapest price. We'll break down the information you'll need to get a quote and how to compare different offers using one of our Policygenius insurance agents.

Key takeaways

  • A home insurance quote is an estimate of how much you'll pay for a homeowners insurance policy.

  • Your homeowners insurance quote is based on several factors, including how much coverage you need, your home's location, and your policy deductible.

  • To ensure you're not missing out on the best coverage and rates, you should compare quotes from at least three companies.

  • You can compare quotes from different companies through a home insurance marketplace like Policygenius — all for free and with minimal information or effort required. Simply provide your home's address and a couple of other details, and we'll run your quotes.

Shoppers have saved an average of 30% on their home insurance

We don't sell your information to third parties.

What is homeowners insurance?

Homeowners insurance is a form of property insurance that protects your home and personal belongings in the event they're destroyed by a covered loss, like a fire or windstorm. It can also protect your assets in the event you're found legally responsible for someone's injury or damage to their property.

What is a home insurance quote?

A home insurance quote is an estimate of how much you’ll pay for a policy based on details about your home, credit score, claims history, and coverage limits. All insurance companies have their own way of calculating quotes, so premium estimates can vary widely across insurers.

How to compare home insurance quotes

When you compare homeowners insurance quotes, it's important to consider more than just the cheapest option. More precisely, you'll want to look at which company offers the best price on the amount of coverage that you need.

Here’s a step-by-step look at how to compare home insurance quotes.

1. Decide where to get homeowners insurance quotes

Your first order of business will be deciding how you'd like to get home insurance quotes. There are generally three main options for finding and purchasing a policy:

  • Online marketplaces: Compare home insurance quotes from multiple companies and purchase your new policy for free through an online insurance marketplace like Policygenius.

  • Independent agents or brokers: Compare quotes through a local independent insurance agent that represents several different insurance companies. You can also hire an independent home insurance broker to help you find a policy, though they may charge a fee for their services.

  • Captive agents: Captive agents, such as State Farm agents, only work with a single insurance company. Comparison shopping through captive agents isn't recommended, as it's extremely time-consuming having to reach out to multiple agents from different insurance companies yourself to get quotes.

If you prefer purchasing insurance on the phone or in person, then a local independent agent or broker is probably your best bet.

But if speed, value, and overall ease-of-use are your priorities, then we recommend getting home insurance quotes through our online marketplace at Policygenius. Simply click the Get free quotes button anywhere on this page to get started.

Genius tip: Information you’ll need for your home insurance quote

For a potentially faster and more accurate home insurance quote comparison, consider having the following information on-hand.

  • Address of the property

  • Square footage

  • Year built

  • Number of residents and your relation to them

  • The age and material of your roof

  • Home heating type

  • Home foundation type

  • Your claims history

  • Number of pets and the breed of any dogs you may own

  • Recent home improvements or renovations

  • Information about protective devices like fire sprinklers, security systems, or fire alarms

2. Consider what type of home insurance you need

Most insurance providers, including Policygenius, can provide you with an estimate of your home's replacement cost and other coverage limits you'll likely need.

Your job is to decide between three different policy types:

  • HO-2 policy: Provides the least amount of protection for your home and belongings, but is potentially more affordable

  • HO-5 policy: Provides the most complete protection for both your home and belongings, but is generally more expensive

  • HO-3 policy: The most common home insurance policy, this provides protection that's somewhere in between the two listed above.

8 Learn more about the 8 different types of homeowners insurance

What home insurance usually covers

The following perils are generally covered in a standard homeowners insurance policy, whether you opt for a basic or more comprehensive policy.

1. Fire or lightning

2. Windstorm and hail

3. Explosions

4. Riot or civil commotion

5. Damage caused by aircraft

6. Damage caused by vehicles

7. Smoke

8. Volcanic eruption

9. Vandalism and malicious mischief

10. Theft

11. Falling objects

12. Weight of snow, ice, or sleet

13. Accidental discharge/overflow of water

14. Sudden tearing/cracking of appliances

15. Freezing

16. Power surges

What home insurance does NOT usually cover

Generally, HO-3 and HO-5 homeowners insurance policies will cover your home and personal belongings against most types of damage or losses. However, there are several common disasters and liability-related expenses that are not covered by any home insurance policy unless you purchase additional coverage.

  • Flooding

  • Earth movements

  • Pest infestations

  • Mold or wet rot

  • Certain dog breeds

  • Wear and tear or neglect

  • Power surges caused by your utility company

  • Home-based business liability

  • Local building ordinance or law

  • Intentional damage

  • Nuclear hazards

  • War

  • Government action

Most companies offer a slew of coverage add-ons (or endorsements) that cover your home and personal belongings against normally excluded causes of damage or loss. Examples of coverage endorsements include water backup, equipment breakdown, and scheduled personal property coverage.

Genius tip: Additional insurance you can get quotes for

Most standard homeowners insurance policies do not cover damage to your home or belongings that’s caused by earthquakes or floods, but you can purchase additional coverage or compare standalone insurance policies to make sure you're protected.

  • Flood insurance: Homeowners insurance never includes coverage for damage caused by flooding. A licensed insurance expert at Policygenius can help you compare quotes from private flood insurers or help get you set up with a flood insurance policy through the National Flood Insurance Program (NFIP) — a FEMA-backed program. 

  • Earthquake insurance: Homeowners insurance also doesn’t cover earthquake damage. Depending on the company, you may be able to purchase earthquake coverage for your home insurance or a separate earthquake insurance policy.

3. Evaluate how much of each coverage you need

A basic homeowners insurance policy comes with six main coverages that cover the cost to rebuild your home, replace your personal belongings, protect your assets from expensive lawsuits, and more.

Here's a rundown of what each coverage does and how much of each one you generally need.

Coverage type

What it does

How much you need

Dwelling

Pays to repair or rebuild your house and structures attached to it

Enough to completely rebuild your home from the ground up

Other structures

Pays to repair or rebuild your shed, guest house, fence, or other structures on your property not attached to your home

10% of your dwelling coverage limit

Personal property

Pays to replace furniture, electronics, kitchen appliances, and other stuff you own

50% to 70% of your dwelling coverage limit

Loss of use

Pays for hotel stays, rentals, restaurant bills, and other temporary expenses while your home is being rebuilt

20% of your dwelling coverage limit

Personal liability

Pays for guests' medical bills and legal expenses if you’re found legally responsible

$100,000 to $500,000

Medical payments to others

Pays for guests' medical bills from minor injuries — regardless of who’s at fault

$1,000 to $5,000

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In addition to deciding how much of each coverage you need, you should also look at how claim settlements are determined when comparing policies from different companies.

Here are the two main loss-settlement options for dwelling and personal property coverage claims:

  • Actual cash value: The cheapest option, actual cash value reimburses you for the value of your property minus the cost of depreciation, or wear and tear. This leaves you paying more out of pocket when you file a claim. 

  • Replacement cost value: This level of coverage reimburses you for the value of your property at today’s prices. Replacement cost coverage provides larger payouts when you make a claim compared to actual cash value.

Genius tip: Consider enhanced dwelling & personal property replacement cost coverage

Most standard home insurance policies come with replacement cost dwelling coverage and actual cash value personal property coverage by default.

For an additional cost, you may have the option to upgrade your personal property coverage to replacement cost to ensure depreciation isn't subtracted from personal property claim payouts.

Most companies also offer extended replacement cost dwelling coverage, which increases your dwelling coverage limit an extra 25% to 50% — whichever amount you choose — in the event the cost to rebuild your home exceeds your coverage limits. And some even go a step further and offer guaranteed replacement cost coverage, which pays the full cost of rebuilding your home after a covered loss regardless of whether this amount exceeds your policy limits or not.

How do I know how much home insurance I need?

Homeowners insurance coverage needs vary from homeowner to homeowner. In general, your coverage amounts should be high enough to cover your home’s rebuild cost (meaning the cost to rebuild it completely if it were destroyed), the monetary value of your personal belongings, and your combined assets. If you need flood or earthquake coverage, you’ll need to buy those separately.

Shoppers have saved an average of 30% on their home insurance

We don't sell your information to third parties.

How can I get a good deal on my home insurance?

You’ll want to compare quotes to choose the insurer and policy that offers the coverage you need at the most affordable cost. Look for companies that offer discounts, like money off for bundling your home and auto insurance.

Sample home insurance quote comparison

Here's an example of two quotes you might get for home insurance coverage and how to compare them.

allstate-logo-black

Annual premium: $2,035

  • Dwelling coverage: $300,000 with extended replacement coverage

  • Personal property coverage: $150,000 with actual cash value coverage

  • Personal liability coverage: $500,000

  • Standard deductible: $2,000

  • Wind/hail deductible: 3% of dwelling coverage ($9,000)

State Farm Logo

Annual premium: $2,627

  • Dwelling coverage: $300,000 with guaranteed replacement coverage

  • Personal property coverage: $150,000 with replacement cost coverage

  • Personal liability coverage: $500,000

  • Standard deductible: $500

  • Wind/hail deductible: 5% of dwelling coverage ($15,000)

Quotes are used for illustrative purposes only. Actual rates and coverage limits will vary by customer.

Looking at the two fictional quotes above, you can see that while State Farm has higher premiums than Allstate, you only have to pay $500 when you file a standard claim — versus $2,000 with Allstate.

You'll also notice that both State Farm and Allstate have the same coverage limits for your dwelling and personal property. However, State Farm's quote comes with more comprehensive protection in the form of guaranteed replacement cost coverage for your house and replacement cost coverage for your belongings.

Comparing all of these different coverage types and limits can help you determine which quote makes the most sense for your needs and budget.

How to find the best home insurance quote

To help you compare the best home insurance quotes from Policygenius, our team of home insurance experts gave each of the largest home insurance companies in the U.S. by market share a Policygenius rating.

To rate each company, we compared average home insurance premiums and discounts, additional coverage options available — like flood endorsements and inflation guard protection, customer satisfaction scores with J.D. Power, and financial strength ratings with AM Best.

When comparing rates in your best home insurance quotes, keep in mind that the average annual cost of home insurance is $1,754 for a policy with $300,000 in dwelling coverage.

Company

Policygenius rating ★★★★★

J.D. Power score

Average annual premium

Auto-Owners Insurance

5 out of 5 ★

825/1000

$1,406

USAA

4.9 out of 5 ★

884/1000*

$1,479

State Farm

4.8 out of 5 ★

829/1000

$1,887

Amica

4.6 out of 5 ★

849/1000

$1,756

American Family

4.5 out of 5 ★

842/1000

$1,692

Erie

4.5 out of 5 ★

827/1000

$1,284

Farmers

4.5 out of 5 ★

792/1000

$1,845

Nationwide

4.5 out of 5 ★

816/1000

$1,966

Progressive

4.5 out of 5 ★

801/1000

N/A

Allstate

4.4 out of 5 ★

815/1000

$1,650

Travelers

4.4 out of 5 ★

794/1000

$1,568

AAA

4.3 out of 5 ★

816/1000

$1,879

Chubb

4.3 out of 5 ★

809/1000

$1,706

Safeco

4.3 out of 5 ★

809/1000

$1,633

AIG

4.2 out of 5 ★

830/1000

$1,339

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* Based on 2022 sample homeowners insurance quotes for a home with $300,000 in dwelling coverage and a $1,000 deductible ** Based on J.D. Power's latest home insurance customer satisfaction survey released in September 2022 *** USAA isn't officially ranked with J.D. Power due to eligibility

Learn more about our home insurance reviews methodology

Home insurance company reviews

Like our Policygenius ratings, our home insurance reviews are based on the same factors to consider while comparing home insurance quotes, including average rates, coverage options, customer service, and financial ratings. And for a more personalized recommendation, you can refer to our list of the best home insurance companies for a variety of coverage needs and preferences. 

Here’s an in-depth look at five top rated companies that offer home insurance quotes through Policygenius.

award icon

2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Allstate is one of the most popular home insurance providers in the country thanks to several customizable options, unique coverage add-ons like short-term rental coverage, and availability in all 50 states.

Pros and conschevron icon

Pros

  • High-quality and flexible policy options

  • Numerous discounts and features that help you save

  • Below-average customer complaints

Cons

  • No longer sells home insurance policies in California

  • Below-average digital experience rating with J.D. Power

More detailschevron icon

While its customer satisfaction score with J.D. Power is slightly below the industry average, it received fewer customer complaints from 2019 to 2021 compared to other companies its size, according to the National Association of Insurance Commissioners (NAIC).

And with an average premium of $1,650 per year, you can expect your Allstate insurance home quote estimate to hover right around the national average.

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2024 Policygenius award winner

Nationwide

Nationwide logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Nationwide home insurance features a slew of comprehensive coverage options. It also received high marks for claims satisfaction with J.D. Power, indicating you can rely on Nationwide when it matters most.

Pros and conschevron icon

Pros

  • Multiple high-quality coverage options

  • Highly rated for claims satisfaction with J.D. Power

  • Available in most states

Cons

  • Below-average customer satisfaction and digital experience ratings

  • Won’t cover Airbnbs or other short-term rentals

More detailschevron icon

With an average premium of $1,966 per year, Nationwide home insurance is a hair more expensive than the national average. But it offers plenty of discounts to help keep your rates down, including discounts if you recently renovated your home or invested in a qualifying smart home device, and a home and auto bundling discount that can help you save an average of 13% on premiums.

But where Nationwide really stands out is its enhanced dwelling coverage options, offering both extended and guaranteed replacement cost — two coverages that belong on every home policy in disaster-prone states. 

award icon

2024 Policygenius award winner

Openly

Openly logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Openly insures homes up to $5 million with its impressive lineup of customizable policy add-ons that come with high coverage limits — and the best part? Its rates are surprisingly affordable considering its high-net worth customer base.

Pros and conschevron icon

Pros

  • Offers up to $5 million in coverage for high-value homes

  • Robust lineup of policy add-ons with high limits to customize coverage to fit your needs

  • No restrictions on pools without fences or dangerous dog breeds

Cons

  • Only available in 21 states

  • Fewer home insurance discounts than competitors

  • Not included in J.D. Power’s customer satisfaction studies

More detailschevron icon

Despite being founded in 2017, Openly has wasted no time becoming one of the best home insurance options for high net-worth homeowners looking for dwelling coverage limits of up to $5 million and higher limits of protection for expensive valuables and keepsakes.

With an average premium of $1,125 per year, Openly home insurance is significantly cheaper than the national average — though keep in mind that it only writes policies in 21 states. 

Progressive

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

Progressive is ideal if you’re looking to purchase home and auto insurance policies at the same time to score discounts on your premiums.

Pros and conschevron icon

Pros

  • Available in all states except Alaska and Hawaii

  • Slew of policy and discount options available

  • Easy-to-use app to manage policy

Cons

  • Not a direct insurance carrier

  • Cost varies by company Progressive places you with

  • Customer service & claims options vary by company

More detailschevron icon

With availability in all states except two and a generous multi-policy discount, Progressive is the ideal insurance company for homeowners who have a car or other types of property to insure. It also earned an above-average rating in J.D. Power’s 2022 digital experience study, indicating customer satisfaction with Progressive’s mobile and web experience.

However, Progressive isn’t a direct insurance carrier. This means your coverage, rates, and claims experience will depend on which company it places you with. Because of this, Progressive may not be the best choice for homeowners who prefer paying their bills and filing claims all with one company. 

award icon

2024 Policygenius award winner

Travelers

Travelers home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Travelers is one of the oldest and most trusted home insurance providers in the business thanks to its industry-best financial ratings, flexible policy options for most home types and budgets, and availability in nearly every U.S. state.

Pros and conschevron icon

Pros

  • Green home coverage and discounts

  • Offers short-term rental coverage for Airbnb hosts

  • Doesn’t require prior insurance on the home

Cons

  • Subpar customer service ratings with J.D. Power

  • Underwhelming number of available discounts

More detailschevron icon

Travelers is one of our top-rated home insurance providers, featuring average rates below the national average, flexible policy options for most home types and situations, unique coverages like green home and short-term rental protection, and the highest AM Best rating (A++) a company can receive.

However, Travelers offers fewer discounts than most companies of its size, and its scores in J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys indicate that Travelers’ customer service could use some improvement.

While our reviews can help familiarize you with each company’s strengths and weaknesses and inform your comparison, the best home insurance for you are based on factors specific to you and your home. At Policygenius, our customers save an average of 30% on homeowners insurance while also securing the best coverage for their needs thanks to our extensive mix of company and policy options.

Shoppers have saved an average of 30% on their home insurance

We don't sell your information to third parties.

Find the cheapest home insurance quote in your state

Along with coverage limits, your home's location has a major impact on your home insurance rates. States with frequent hurricanes, wildfires, and other disasters often have higher average home insurance rates than those with more mild weather.

State

Average monthly premium

Average annual premium

Percentage difference from national average

Alabama

$165

$1,982

4%

Alaska

$117

$1,398

-26%

Arizona

$147

$1,762

-7%

Arkansas

$244

$2,924

54%

California

$120

$1,436

-24%

Colorado

$206

$2,472

30%

Connecticut

$113

$1,359

-28%

Delaware

$77

$928

-51%

District of Columbia

$96

$1,154

-39%

Florida

$204

$2,442

29%

Georgia

$163

$1,956

3%

Hawaii

$41

$486

-74%

Idaho

$113

$1,352

-29%

Illinois

$148

$1,775

-7%

Indiana

$143

$1,719

-9%

Iowa

$143

$1,714

-10%

Kansas

$258

$3,094

63%

Kentucky

$219

$2,622

38%

Louisiana

$209

$2,507

32%

Maine

$90

$1,076

-43%

Maryland

$131

$1,575

-17%

Massachusetts

$107

$1,285

-32%

Michigan

$129

$1,550

-18%

Minnesota

$161

$1,937

2%

Mississippi

$221

$2,655

40%

Missouri

$219

$2,627

38%

Montana

$184

$2,213

17%

Nebraska

$312

$3,741

97%

Nevada

$101

$1,209

-36%

New Hampshire

$81

$967

-49%

New Jersey

$75

$904

-52%

New Mexico

$141

$1,686

-11%

New York

$95

$1,139

-40%

North Carolina

$132

$1,580

-17%

North Dakota

$158

$1,890

0%

Ohio

$108

$1,297

-32%

Oklahoma

$353

$4,230

123%

Oregon

$75

$905

-52%

Pennsylvania

$97

$1,162

-39%

Rhode Island

$113

$1,358

-28%

South Carolina

$141

$1,696

-11%

South Dakota

$202

$2,418

27%

Tennessee

$187

$2,242

18%

Texas

$252

$3,027

59%

Utah

$77

$923

-51%

Vermont

$75

$900

-53%

Virginia

$111

$1,329

-30%

Washington

$101

$1,216

-36%

West Virginia

$122

$1,464

-23%

Wisconsin

$98

$1,177

-38%

Wyoming

$133

$1,599

-16%

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Policygenius Home logo

Avg. annual premium:

Average annual premium:

$_____

Estimate your home insurance cost

Select your state to see the average homeowners insurance rate

Are there different homeowners insurance requirements by state?

No, homeowners insurance is not required by law in any state. However, most lenders will require proof of home insurance before you can close on a property.

The latest research & surveys from Policygenius

2023-08 Home Insurance Pricing Report artist Shideh Ghandeharizadeh copy

Home Insurance Pricing Report

Home insurance prices are roughly 35% higher nationally compared to two years ago, with several wildfire and tornado-prone states accounting for the largest average increases. 

Home insurance + inflation survey hero

Home Insurance & Inflation Survey

Majority of U.S. homeowners may not have enough insurance to rebuild their homes after a disaster like a hurricane, tornado, or wildfire.

Home insurance x climate change survey Credit - Meredith Simonds

Home Insurance & Climate Change Survey

Roughly 64% of young homeowners expect to move due to climate change in the next 30 years.

Shoppers have saved an average of 30% on their home insurance

We don't sell your information to third parties.

The New York Times Logo

As natural disasters get worse, so do home insurance premiums

Wall Street Journal Logo

Home insurance premiums are way up — here's how to lower yours

US-WhiteHouse-Logo.svg

The rising costs of extreme weather events

Average savings of 30% per year on home insurance: Savings are determined by calculating the average difference between the lowest and second lowest home insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.

Average home insurance cost: Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Join our millions of happy shoppers

Policygenius has near-perfect ratings on Trustpilot, BBB, and Google. Here's what our customers are saying.

Five white stars with green backgrounds

Amazingly easy process

I had a very good experience using Policygenius. They did most [of] the heavy lifting and made everything super easy. They sent me timely reminders which were helpful. I would 100% recommend using them.

Rahul,December 14thFive white stars with green backgrounds

Five white stars with green backgrounds

Policygenius made the process easy!

Policygenius made the process easy to navigate. The representatives were helpful and attentive to my questions. They were persistent in trying to help me find the best insurance for my current life goals. Once they connected me with insurance agents, the application process was relatively quick and, again, easy to navigate. I'd recommend them to anyone!

Kimberly,February 2ndFive white stars with green backgrounds

Five white stars with green backgrounds

This was an easy and simple process

This was an easy and simple process. It was not stressful at all. All of my questions were answered. I felt seen and listened to throughout the process. If you are on the fence don’t be you will not regret the decision to use this service.

Karen,April 13thFive white stars with green backgrounds

Five white stars with green backgrounds

Knowledgeable, Responsive and Courteous

The team quickly assessed my needs, they were knowledgeable of the products, and articulated a recommendation that was the best fit. The application process was simple, and they were available at each stage of the process to ensure the application was moving along. A great experience!

Mark,April 17thFive white stars with green backgrounds

Rated 4.6 / 5 based on5030 reviews.

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Author

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Editor

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Expert reviewer

Fabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker.

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