How to compare home insurance quotes

Two quotes for the same home can look wildly different if the coverage underneath is not the same. Here is how to compare fairly.

By the InsuranU team Updated July 20264 min read

A lower quote is not a better deal if it is hiding a lower dwelling limit or a higher deductible. Comparing properly means matching the coverage first.

Match the essentials

Same dwelling coverage limit, based on rebuild cost
Same personal property limit
Same liability limit
Same deductible

Then compare the extras

Check whether water backup, scheduled items, or extra living expenses are included or optional, since these vary a lot between insurers.

Where to get quotes

Go direct to insurers, use an agent, or compare through a matching service like InsuranU that lines up several quotes from one short form.

Quotes built around U

Compare matched options in a few minutes. It is free and there is no obligation.

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Keep going

How to choose an insurer

Look past price to claims service and financial strength.

Read the guide

Saving

Lower your premium

The levers that actually move your price.

Read the guide

Cost guide

How much home insurance costs

See the real ranges, with a live estimator.

Read the guide

Common questions

How many quotes should I get?

At least three, so U can see whether a low price reflects the market or thinner coverage.

Does getting quotes affect my credit?

Insurance quotes typically use a soft pull that does not affect your credit score.

U deserve cover that fits

Tell us about your home and your life. We will match you with quotes built around U.

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