Compare rates from 80+ top insurers. Find the best homeowners insurance for your state — coverage that protects what matters most at a price you can afford.
A standard homeowners policy (HO-3) covers your dwelling and attached structures, personal property, liability protection, and additional living expenses if your home becomes uninhabitable. Most policies cover perils like fire, wind, hail, theft, and vandalism — but NOT flood or earthquake, which require separate policies.
When comparing quotes, focus on the coverage limits rather than just the premium. A policy that's $200 cheaper but has a $5,000 higher deductible may cost you significantly more when you file a claim. Dwelling coverage should match your home's replacement cost — not its market value.