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Homeowners Insurance Quotes: What You Need to Know

Here's how to shop around and consider all your home insurance options to get the best home insurance

Your home is an extremely important investment that you want to make sure you protect. The best way to protect your home is by finding home insurance with a carrier you can trust at a price you can afford. The easiest way to do just that is by shopping around and considering all your options for home insurance coverage. Here’s what you need to know as you shop around for homeowners insurance quotes. 

How to Shop for Homeowners Insurance Quotes

Shopping around is essential to ensure that you’re getting the best homeowners insurance policy for you. The process of shopping for home insurance can seem overwhelming, but at SelectQuote, we make it simple. We will make sure you know all of your coverage options, help you find the best available price and match you with the best carrier for your situation. 

Information You Need to Get a Home Insurance Quote

In order to receive a free home insurance quote, you’ll have to answer a series of questions. The more information (and more specific the information) you provide, the more accurate your quote will be.

  1. Personal Information

    You’ll want to have your basic information on hand, such as contact information, how long you’ve lived in your home and the number of people who live with you. You also might be asked to provide more information about your job, if you have a home business and if you have any pets.

  2. Information About the House

    Information such as how old your house is, how it was built and square footage are essential to receive a homeowners insurance quote. If you’ve had this home insured before, you’ll want to provide information about your prior insurance. Additionally, you’ll want to have information about how your home is heated, your mortgage and any detached structures.

  3. Your Location

    Prices and coverage requirements often differ depending on where you live. You’ll likely need to provide your proximity to public services such as fire or police departments, as this can also play a role in determining your home insurance rates.

  4. Your Stuff

    It’s important to have a thorough home inventory before deciding on a home insurance policy. You’ll want to have a complete listing of your possessions and their values to help you determine what additional coverage you need beyond a standard policy.

What questions should I ask when getting an insurance quote?

In an industry packed with jargon, technical terms and contract language, you might feel more comfortable seeking help when it comes to shopping for home insurance. SelectQuote can help answer any and all questions you have about buying insurance coverage.

  1. How much home insurance coverage do I need?

    Because every home is different, there’s no one-size-fits-all option for home insurance. Ideally, you’ll want a policy with enough coverage to cover the cost of rebuilding your home and fully replace its contents after a catastrophe.

    After we help find a policy that makes sense for your needs, SelectQuote can recommend additional coverage to cover any gaps.

  2. What SelectQuote home insurance discounts are available to me?

    SelectQuote shops for insurance coverage and discounts from a variety of companies. From bundled home and auto insurance policies to loyalty discounts, most carriers offer opportunities to cut costs on your insurance premiums. For example, homeowners insurance customers may be eligible for a home insurance discount just for installing hardwired smoke detectors or a full home security system.

  3. What deductible do you recommend?

    Choosing an insurance policy is often about striking the right balance between the cost of your premium and your deductible. Lower monthly premiums generally lead to higher deductibles, and vice versa. By working with SelectQuote, you can easily weigh the advantages and disadvantages of each.

  4. What exclusions are part of the policy?

    You can often find many exclusions in home insurance policies, from flooding and earthquake coverage to wildfire coverage (depending on where you live). Clarify what is and isn’t included in your policy. SelectQuote can help simplify the process and ensure your policy has the coverage you need without any unexpected gaps.

Get a Free Homeowners Insurance Quote Through SelectQuote

Comparing homeowners insurance coverage and rates from multiple insurance companies can be overwhelming. At SelectQuote, we make the process easy and can provide free home insurance quotes from some of the most trusted insurance carriers in just minutes. We’ll take the time to learn what you need covered, answer any questions you have and match you with the most affordable home insurance for you.

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