Compare Home Insurance Quotes and Companies

Updated: July 25, 2026

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Key Takeaways: Compare Home Insurance Quotes & Companies
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Save hundreds per year by comparing home insurance quotes. Insurance providers weigh pricing factors like your location and credit score differently, which means no two rates for the same policy are the same between providers.

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Your price is determined by your coverage limits, location and homeowner profile. Personal details like your credit score and claims history, along with policy details like coverage limits or discounts, can change your rates.

Compare Home Insurance by Ratings & Affordability

MoneyGeek compared 164,127,600 quotes across 1,451 zip codes to find which ones have the best value depending on what each homeowner is looking for.

We evaluated each company's strengths based on three factors: how affordable it is, how satisfied customers are with it and what coverage options it has. A long-time homeowner who's made multiple home improvements will have different needs compared to someone who just bought a home.

We've written comprehensive guides for homeowners of different profiles, whether you're looking for the best or cheapest, or whether you're a veteran, senior or new homeowner:

How to Compare Homeowners Insurance

Homeowners insurance costs and coverage options vary by provider. We've helped thousands of homeowners compare policies and save money on coverage.

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    Determine How Much Coverage You Need

    Most people guess at coverage amounts. That guesswork leaves them underprotected or paying for coverage they don't need. Your dwelling coverage should match how much it would currently cost to rebuild your home, not its purchase price.

    Beyond the structure itself, take a detailed inventory of your belongings to determine how much personal property coverage you need. Personal property coverage usually costs about 50% to 70% of your dwelling amount, though high-value items may require additional coverage.

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    Gather Information for Accurate Quotes

    Prepare accurate information before requesting homeowners insurance quotes. Start with your home's basic specs: square footage, year built and roof type. You'll also need your heating system and foundation details on hand. Don't guess on any of this. Pull the exact numbers from your home inspection report or tax records. Your county assessor's website works too.

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    Reach Out for Quotes

    You have three ways to gather quotes. An independent agent can compare multiple insurers at once and offer personalized advice. If you'd rather ask detailed questions yourself, call insurers directly. Online quotes are usually the fastest way to see rates. Get quotes from at least three insurers to compare your home insurance options.

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    Explore Discount Opportunities

    Ask about all available discounts when getting quotes. Many insurers offer savings for everything from being claims-free for years to having a college degree or working in certain professions. Bundling your home and auto insurance with the same company can also save you 5% to 25% on your policy, depending on the insurer.

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    Compare More Than Just Price

    The cheapest premium isn't always the best deal if the insurer can't pay your claims or provides poor customer service when you need help. Look for insurers rated A- or higher by AM Best or with scores above the industry average in J.D. Power satisfaction studies. Pay attention to policy exclusions that leave you vulnerable as well. Some insurers exclude windstorm damage in coastal areas or have strict limits on water damage. These exclusions and limits carry more weight than a $50 premium discount once disaster strikes.

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    Shop Around Each Year for Better Rates

    Insurance rates change constantly. Last year's best deal might not be this year's lowest price. Set a calendar reminder 30 days before your policy renews each year to give yourself time to gather quotes without rushing. Homeowners who compare rates annually save $200 to $500 over simply renewing.

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SAVE MORE BY SHOPPING AROUND

Loyalty discounts rarely beat a fresh rate. Insurers give existing customers a small break for staying put, but a new insurer's rate for the same coverage often saves you more than that discount is worth. Your home's value changes over time, and so does what you own. Annual shopping gives you a chance to check whether your policy still matches both.

Compare Home Insurance Quotes by State

Home insurance costs vary by state, and the gap is large: the most expensive states run about three times the premiums of the cheapest ones for similar coverage. Insurers price in regional risk when they set rates. Hurricanes drive costs up along the Gulf Coast. 

Wildfires push rates higher across the West. Tornado exposure and crime rates shift the numbers everywhere else. The table below shows where your state falls against the national average.

Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
Alabama$38631%
Alaska$110-63%
Arizona$217-27%
Arkansas$42042%
California$112-62%
Colorado$34015%
Connecticut$192-35%
Delaware$81-72%
District of Columbia$107-64%
Florida$853189%
Georgia$188-36%
Hawaii$50-83%
Idaho$140-53%
Illinois$264-11%
Indiana$258-13%
Iowa$198-33%
Kansas$3095%
Kentucky$269-9%
Louisiana$708140%
Maine$119-60%
Maryland$219-26%
Massachusetts$172-42%
Michigan$184-38%
Minnesota$200-32%
Mississippi$43046%
Missouri$249-16%
Montana$40938%
Nebraska$52277%
Nevada$101-66%
New Hampshire$96-68%
New Jersey$148-50%
New Mexico$149-50%
New York$130-56%
North Carolina$3136%
North Dakota$188-36%
Ohio$173-41%
Oklahoma$640117%
Oregon$90-69%
Pennsylvania$195-34%
Rhode Island$174-41%
South Carolina$259-13%
South Dakota$3012%
Tennessee$244-17%
Texas$57193%
Utah$121-59%
Vermont$88-70%
Virginia$223-25%
Washington$123-58%
West Virginia$143-52%
Wisconsin$116-61%
Wyoming$158-47%

Why Trust MoneyGeek for Homeowners Insurance? MoneyGeek compared home insurance quotes from 20+ insurance providers across the U.S. using a profile that reflects the average homeowner. When you compare home insurance rates from different locations and companies, you get a reliable estimate of what homeowners can expect to pay.

Best Home Insurance Comparisons by State

Insurance markets differ by state based on local regulations, the number of insurers licensed to sell there and how much competition exists among them. Some insurers lead certain regions without operating nationwide. Others post good rates in one state and poor ones next door. Look at which companies perform best where you live, then focus on the insurers most likely to offer good value and service in your area.

Best Home Insurance Comparisons by City

State averages give you a baseline, but your specific city and even ZIP code can change your rates within the same state.

We've analyzed the best home insurance companies and rates for major cities across the country. Our analysis factors in local risk, available insurers and regional pricing patterns. These city-specific guides can help you compare your options in your market.

Compare Home Insurance Quotes by Company

Homeowners insurance quotes are easier to compare side-by-side, which makes it simpler to spot real differences between companies and coverage options. We analyzed quotes from major national insurers to highlight what to look for and how price differences connect to actual coverage value for your home.

This table shows how the same coverage can vary by hundreds of dollars annually between insurers. See which national insurers offer the lowest average rates for different coverage levels.

Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
Amica$119-56%
CSAA$126-54%
AAA$135-50%
American Modern$174-36%
USAA$186-32%
Farmers$188-31%
Allstate$198-27%
State Farm$204-25%
Homesite$210-23%
Nationwide$2875%
Chubb$36936%
Progressive$45467%
Travelers$571110%

Amica offers the cheapest homeowners insurance quotes for every coverage level, with average costs ranging from 55% to 58% below the national average. Compare prices along with the insurer’s financial stability, customer service and claims handling.

Best Home Insurance Comparisons by Company

What to Look For When Comparing Home Insurance Quotes

A low homeowners insurance quote isn't enough on its own. A real comparison looks past the premium at what each policy actually covers. Many homeowners pick the lowest price and miss coverage gaps that surface later. Here's what to look for on each quote.

  1. 1
    Know That Coverage Limits Matter

    Confirm all quotes match the same coverage specifications before comparing prices. Even small differences in coverage limits and deductible amounts can change your costs and protection by hundreds of dollars.

  2. 2
    Choose Your Deductible Carefully

    Compare your deductible options. A $1,000 deductible costs about $200 less annually than a $500 deductible. Make sure you can afford to pay that higher deductible if you file a claim.

  3. 3
    Understand Policy Exclusions

    Review what's excluded. Standard policies don't cover flood or earthquake damage. You'll need separate policies for these perils. Many insurers also cap jewelry, art and electronics coverage at $1,500 to $2,500 unless you add scheduled personal property coverage.

  4. 4
    Evaluate a Company's Reputation

    Confirm each insurer's financial strength rating from AM Best first. A rating of A or higher shows the company has the reserves to pay claims when they come in. Customer satisfaction is a separate measure. It varies widely between insurers, even at similar price points, according to MoneyGeek's analysis. J.D. Power's annual home insurance studies rank providers separately on claims handling and customer service. Choose insurers that score above the J.D. Power industry average on both measures.

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MAKING A FINAL DECISION

Choose the insurer that provides the best combination of adequate coverage, competitive pricing, financial stability and customer service reputation. The cheapest quote isn't always the best value if it leaves you underprotected or dealing with a company known for claims disputes.

Your home is likely your largest investment. Paying an extra $200 to $400 a year for better coverage and service can be well worth it when it’s time to file a claim.

Calculate Your Home Insurance Cost

Use our home insurance calculator to get a personalized estimate based on your home's details and location. This tool helps you understand what you should expect to pay and whether your current rate stacks up well once you're ready to compare quotes.

Enter your details once to see how much you could save. It takes 30 seconds to see how rates can vary by hundreds of dollars between companies in your area. We won't call you or send you emails unless you want to proceed with getting a finalized quote.

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$220
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$144
Average
$104
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Rates updated:

Jul 25, 2026

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Home Insurance Rates and Company Comparisons: FAQ

These are the most common questions about buying home insurance.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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