Compare Home Insurance Quotes and Companies

Updated: July 9, 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

Shopping for homeowners insurance requires balancing costs and coverage options, but here's the straightforward approach that actually works. We've helped thousands of homeowners find the right coverage while saving both time and money.

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    Determine How Much Coverage You Need

    Most people guess at coverage amounts, leaving them underprotected or overpaying. Your dwelling coverage should reflect 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 the right information before requesting homeowners insurance quotes. Start with the basics: your home's square footage, year built, roof type, heating system and foundation details. Don't guess on any of this. Pull the exact numbers from your home inspection report, tax records or your county assessor's website.

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    Reach Out for Quotes

    You have three main options for gathering quotes: Working with an independent agent lets you compare multiple insurers at once and get personalized advice, calling insurers directly lets you ask detailed questions, and getting quotes online is often the quickest way to check rates at your convenience. We recommend getting 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 several 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. When disaster strikes, these details matter more than saving $50 on your annual premium.

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    Shop Around Each Year for Better Rates

    Insurance rates change constantly, and what was the best deal last year might not be competitive anymore. Set a calendar reminder 30 days before your policy renews each year to give you time to gather quotes without rushing. Homeowners who shop annually save $200 to $500 compared to 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

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

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

Compare Home Insurance Quotes by Company

Looking at homeowners insurance quotes side-by-side makes it easier to spot the real differences between companies and coverage options. We analyzed quotes from major national insurers to highlight what to look for and how price differences reflect actual coverage value for your home.

The table below demonstrates how the same coverage can vary dramatically between insurers, sometimes by hundreds of dollars annually. See which national insurers offer the most affordable 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

Gathering multiple homeowners insurance quotes isn't enough. Comparing them well means looking past the premium at what each policy actually covers. Many homeowners pick the lowest price and miss coverage gaps that matter later. This breakdown walks through what to check on each quote.

  1. 1
    Know That Coverage Limits Matter

    Before analyzing prices, confirm all quotes reflect the same coverage specifications. Even small differences in coverage limits and deductible amounts can dramatically impact costs and protection.

  2. 2
    Choose Your Deductible Carefully

    Check your deductible options. A $1,000 deductible costs about $200 less annually than a $500 deductible, but you'll need to make sure you can afford to pay your chosen 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

    Check 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. When you’re ready to compare home insurance quotes, this tool helps you understand what you should expect to pay and whether your current rate is competitive.

Enter your details once and 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, and we won't call you or send you emails unless you want to proceed with getting a finalized quote.

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MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.

$220
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$144
Average
$104
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Rates updated:

Jul 10, 2026

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Home Insurance Rates and Company Comparisons: FAQ

Below are the most common questions asked about how to shop for 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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