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Home insurance · savings check
Based on your state, you could be missing out on little known savings.
Check for discounts in your area and see if bundling home and auto could beat what you pay today. It takes 3 minutes or less.
1 Our top pick
Did you know bundling your home and auto can lower your monthly bill?
If you’re paying for both anyway, then you need to check this out.
✓ Unlock bundle discounts
✓ One bill, one renewal date
✓ See your bundle price in 3 minutes or less
2
Home Insurance Savings. Fast.
See if you’re overpaying in under 3 minutes.
✓ Compare quotes side by side
✓ Find discounts you may be missing
✓ Keep your coverage, lower your bill
3
Senior Savings You Are Missing
Retired or close to it? Your rate may not show it.
✓ Check for age-based discounts
✓ Make sure your coverage still fits your home
✓ Pick a deductible that works on a fixed income
Our top choice for home insurance
Most popular on HouseLifeToday
Auto & Home Insurance Bundles
One insurer for your house and your car
✓ Unlock bundle discounts
✓ One bill, one renewal date
✓ See your bundle price in 3 minutes or less
✦ Don’t renew until you’ve checked your rate
Your renewal price is one number. See what other insurers would charge for your home before you pay it.
- Find out if you’re overpaying. Compare quotes for similar coverage.
- Catch costly gaps. Check your deductible, limits, and what’s excluded.
- Cut extras you don’t need. See what’s driving up your bill.
Could one insurer beat both bills?
If you pay for home and auto separately, price them together. See whether a bundle beats your combined cost.
Rate just went up? Check your options today. It takes 3 minutes or less.
What a good home insurance policy covers
Most standard policies include:
- Dwelling: the structure of your home
- Personal property: furniture, clothes and electronics
- Liability: injuries or damage you’re responsible for
- Loss of use: living costs if you can’t stay home during repairs
Add-ons worth asking about:
- Flood or earthquake coverage
- Water and sewer backup
- Scheduled items like jewelry
- Extended replacement cost
✦ Ways to lower your premium
- Ask about a home and auto bundle
- Raise your deductible if your savings can cover it
- Report upgrades like a new roof or alarm system
- Shop again after any rate increase
Not sure where to start?
Each option above answers a different question. If you own a car too, start with the bundle. If you only want to price your home policy, start with quotes. Retired or close to it? See home insurance for seniors.
✓ Free to read and compare
✓ No account needed to look around
FAQs
How often should I compare home insurance?
At least once a year, and any time your rate goes up or your home changes.
Is flood damage covered?
Usually not. Flood coverage is normally a separate policy.
Does bundling always save money?
Not always. Compare the bundle against two separate policies before you switch.
Do I need a home inspection to get covered?
Not always. Some insurers ask for one on older homes or after a big claim.
Advertising Disclosure
HouseLifeToday is a free online resource that aims to offer helpful content and comparison features to our visitors. We receive advertising compensation from some of the companies that appear on this site, which may affect where and in what order those companies and their products are shown. Company listings on this page do not imply endorsement, and we do not feature every provider or offer on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information on this page are disclaimed. Information on this site, including rates and pricing, can change at any time and varies by provider and state. HouseLifeToday is not an insurance company, agent, lender or contractor.