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Home Insurance Quotes
In its simplest form, home insurance is financial protection in the case your home is damaged or destroyed, but comparing coverage and rates from multiple carriers can be overwhelming and time consuming. At SelectQuote, we’ll take the time to learn what you’re looking for and provide you with free home insurance quotes from some of the most trusted companies in just minutes. We can also answer any questions you have, match you with the best home insurance company for your needs, and find opportunities to try and save you money.
SelectQuote is Dedicated To:
Making sure you know all your options before deciding on a policy
Finding the best price for the coverage you need based on your unique needs
Matching you with the best carrier for your situation
How to Get a Free Home Insurance Quote
Getting a free home insurance quote is as easy as getting connected with SelectQuote. We’ll ask you for more information on your home and get to know more about your needs, ensuring we’re looking for the kind of coverage that’s right for you. The more you know before we start, the more accurate your quote will be.
When looking for a free home insurance quote, be prepared to provide:
- Personal & contact info
- Your address
- Date you’ll need coverage and an idea of how much you might need
- Number of people living in your home full-time
- Building details (year built, total completed square footage, number of stories, etc.)
- Safety features
- Insurance history
- Any questions you have about coverage or additional protections you’re interested in
Home Insurance Quotes and Determining the Cost of Your Policy
There are a number of things that could impact the cost of your home insurance, but here at SelectQuote we try to find the most affordable home insurance for you. Below are the five most common reasons home insurance rates differ.
Where You Live
The city and state in which you live can often play a role in your home insurance rates. Rates can be determined by the likelihood of claims based on similar homes in your area or region, and some insurance policies also consider population, crime rates, weather patterns and your proximity to public services such as fire or police departments.
The materials used to build your home really does make a difference. For example, a brick house might be less to insure because of the lower risk of fire damage. Additionally, the age and quality of a home’s structure could also impact your home insurance rate. Homes lacking up-to-date safety measures could require higher premiums to insure.
Your Credit Score
You can’t be denied home insurance because of bad credit, but you could benefit from a discount if your credit score is in good standing. Individuals with a credit score of 700 and above are typically deemed a “good credit risk.” This means you’ve demonstrated your ability to pay bills on time, are likely to repay borrowed money in a timely manner and are less likely to need to file a claim. All of this will make it less expensive to acquire the home insurance coverage you need.
Your Previous Claims
While the first claim you file might not be very noticeable, the more you have, the more concerned one might be. As a rule, it’s always a good idea to rely on insurance for larger, more catastrophic claims and take care of the smaller issues to the best of your ability. Keep in mind that prior claims may “follow” you to a new home or even another state.
Your Deductible Amount
A deductible is what you pay before your insurance coverage kicks in and insurance companies consider those who are willing to pay a higher deductible to be less of a risk to insure. Paying more upfront could also lower your premium. If choosing a higher deductible, consider creating an emergency fund so you’re prepared when you need to pay your deductible.
Buy the Best Home Insurance Policy for You
When you’re looking to purchase a home, it’s important to find the best homeowners insurance for you. At SelectQuote, we can provide home insurance quotes in just minutes and help you determine what policy is right for your situation.
Want to Learn More About Home Insurance?
Find some more information about home insurance and and get a free quote from SelectQuote below.