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Home insurance quotes: Compare and save

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Compare home insurance quotes from the best companies

A standard homeowners insurance policy provides coverage for your home, belongings, and liability — but some insurers may also include coverage add-ons or enhancements at no additional cost. This is why comparing home insurance quotes from multiple top companies is so important.
If you're like most, you'll look at a company's price and coverage estimates before anything else when comparing homeowners insurance quotes. But in addition to the information on your selection, you may also want to consider the insurer's customer satisfaction ratings with third-party firms like J.D. Power, financial strength ratings with AM Best, and homeowners insurance company reviews.  

Home insurance company reviews

Our company ratings and reviews are based on many of the same factors to consider while comparing home insurance quotes, including average rates, coverage options, customer service, and financial ratings. 

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

  • Allstate: 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. 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). 

  • Nationwide: Nationwide home insurance is 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 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. 

  • Openly: 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 protection limits for expensive valuables and keepsakes. Openly home insurance is significantly cheaper than the national average — though remember that it only writes policies in 21 states. 

  • Progressive: With availability in all states except two and a generous multi-policy discount, Progressive is the ideal insurance company for homeowners with 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 — your coverage, rates, and claims experience will depend on which company it places you with — so it may not be the best choice for homeowners who prefer paying their bills and filing claims all with one company. 

  • Travelers: 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. Its scores in J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys indicate that Travelers’ customer service could improve.


While our reviews can help familiarize you with each company’s strengths and weaknesses and inform your comparison, the best homeowners for you are based on factors specific to you and your home. At Linqrs, our customers save an average of 25% on homeowners insurance while securing the best coverage for their needs, 

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How to compare home insurance quotes

Comparing home insurance quotes is the best way to find the right policy for your needs while saving hundreds of dollars annually. But saving money on home insurance isn’t just about finding the cheapest quote — it’s about finding the best price on the coverage you need. 

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

1. Decide how to get homeowners insurance quotes

You have two main options for getting home insurance quotes: 

  • You can call to speak with a local independent agent who can provide quotes from multiple companies in your area. 

  • You can get homeowners insurance quotes online through an insurance marketplace like Linqrs, which works with a mix of companies in every state and ZIP code. 

The advantage to getting home insurance quotes online with a company like Linqrs is that our agents can provide you an estimate with minimal information, give the address of the insured location, a few broad details about the structure itself, and personal data like your date of birth, and we’ll run your quotes.

Advice on choosing the right coverage

“Your dwelling coverage amount should equal your home's replacement cost — not the purchase price or market value."

Luxury Modular Homes

2. Consider your coverage needs

To make sure your quotes are based on your actual home insurance coverage needs, consider getting your own estimates for the following:

  • The cost to rebuild your home: Your dwelling coverage amount should be equal to your home’s replacement cost, which is the amount it would cost to rebuild your home from the ground up if it were destroyed. If you live in an area prone to natural disasters or storms, you may want to consider a company that offers extended replacement cost or guaranteed replacement cost coverage. 

  • The cost to replace your personal belongings: Your personal property coverage limit should be high enough to cover the total value of your belongings, which means your furniture, computers, and small appliances. Additionally, suppose you’d like your insurance to reimburse you for personal property damage or theft without having depreciation deducted from your payout. In that case, you may want to consider a company with replacement cost content coverage. 

  • The combined value of your assets: Your liability coverage limit should be high enough to cover the total value of your assets, such as the value of your home, car, possessions, liquid assets, and anything else that holds value.

Finally, compare the coverage add-ons (also called endorsements each insurer offers to ensure you have all the protection you need. Examples of coverage endorsements include water backup, equipment breakdown, and scheduled personal property coverage.

3. Compare coverage and price estimates

While price is an important consideration when comparing home insurance policies, it’s especially vital to check how much coverage your quoted rate is based on. While every company has its method for calculating coverage amounts, getting quotes with similar levels of coverage will make for a more accurate comparison.

4. Compare discounts and deductible options

The rate you’re quoted isn't necessarily what you'll pay. Insurance companies generally won’t factor in discounts until they’ve quoted you a final premium. For this reason, you should consider each company’s list of available discounts in addition to quoted premiums. 
Another factor that impacts your premiums is your home insurance deductible amount, which is the amount you’re responsible for paying out of pocket on each claim. The higher your deductible, the cheaper your premiums will be — and vice versa. If you’re not at risk for filing claims, you may want to consider a company that offers the highest deductible policy option. 

5. Compare companies

Your home insurance policy is only as good as the company responsible for paying out the claims. That’s why, along with price and coverage options, you’ll also want to consider the company’s customer service, financial strength ratings, and other factors that can impact your experience as a policyholder. 
According to our recent nationwide survey of home insurance shoppers, claims satisfaction was the most important factor customers considered when comparing insurance companies. Roughly 25% of homeowners care most about a company’s claims satisfaction scores, followed by the ability to bundle policies (22%), and high customer review scores (15%).

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What you'll need to get a home insurance quote

When getting a home insurance quote, have this information on-hand to make the process faster:

  • The size and age of your home. Insurers will want to know your home's square footage and the year it was built.

  • Names, relation, and ages of residents. Home insurance liability coverage protects you and family members that live in your home. An insurer may require you to provide names, ages, and your relationship for those who live in the home.

  • Age and type of roof. Insurers will want to know how old your roof is and what materials it is made out of. If you have a newer roof with updated materials, you may see lower rates.

  • Your home insurance and claims history. If you previously had insurance on your home, your new insurer may ask you how long you were insured for and if you filed any claims in the past.

  • Number and breed of pets. Some insurers may exclude coverage for certain dog breeds. You'll need to disclose if you have any pets and what their breed is.

  • Improvements and renovations. If you recently made home improvements, renovated a part of your house, or built an addition, you'll need to let your insurance company know — as this may affect your home's rebuild value.

  • Safety devices. You may be able to score a discount if you installed safety devices, like a smart home alarm system. Let your insurer know if your home is equipped with any sort of safety device, including deadbolt locks and fire alarms.

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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 legal claim — versus $2,000 with Allstate.
You'll also notice that 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 these different coverage types and limits can help you determine which quote makes the most sense for your needs and budget.

Sample home insurance quote comparison

How much does home insurance cost?

The average cost of homeowners insurance is $1,899 per year for $300,000 in dwelling coverage, according to a Linqrs analysis of sample rates provided by Quadrant Information Services. Several factors can impact the cost of homeowners insurance, including:

  • Location

  • Coverage limits

  • Age of home

  • Home build and heating style

  • Claims history

  • Credit score

  • Additional coverages

  • Deductible amount

Compare home insurance rates by 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, while states with cooler or more mild weather have the cheapest average premiums.

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Types of home insurance quotes

There are several types of homeowners insurance policies, and which one you need will depend on your property and coverage needs. But in most cases, if you own your home and live there most of the year, your home insurance quotes will likely be based on the following.

  • HO-3 – Special Form: An HO-3 policy is the most common form of homeowners insurance. It’s designed for standard homes and contains all of the coverages described above dwelling, other structures, personal property, loss of use, personal liability, and medical expenses coverages. 

  • HO-5 – Comprehensive Form: An HO-5 comprehensive form policy is just what it sounds like — it offers complete protection for single-family homes. An HO-5 is nearly identical to the HO-3 but has more comprehensive personal belongings coverage.

  • HO-6 – Unit Owners Form: Also called condo insurance, this type of policy is designed for people who own a condominium or live in a co-op. Because condos and co-ops have homeowners insurance associations (HOAs), how much coverage you need will depend on your HOA's master policy.

Additional insurance you can get quotes for

Most standard homeowners insurance policies do not cover damage to your home or belongings caused by earthquakes or floods. Still, you can purchase additional coverage or compare standalone insurance policies to ensure you're protected.

Flood insurance

Homeowner's insurance never includes coverage for damage caused by flooding. The agents can help you compare quotes from private flood insurers or help set you up with a flood insurance policy through the National Flood Insurance Program (NFIP) — a FEMA-backed program. 

Earthquake insurance

Homeowner's insurance also doesn't cover earthquake damage. Depending on the insurance company, you may be able to add earthquake coverage to your central policy with a home insurance endorsement, or you may need to purchase a separate standalone earthquake insurance policy. Policygenius can help you compare quotes from insurers that offer earthquake endorsements or help you buy a different approach.

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