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There’s no place like home … and no match for home insurance; whether your home is big or small, it’s the place where you feel safe and protected once you close the door to the outside world.  But how protected is your home?

Considering its value – for most people a substantial slice of their overall worth – home owners insurance should not be an optional. To protect the people you love, and keep a roof over their heads, having the right homeowners insurance is essential, so that you are covered for anything that might lead to damage to your home or belongings (fire/weather/accidents).

Having the right house insurance keeps you protected in the safe environment you and your family call home.

What are the benefits of homeowner's insurance?

Home insurance is one of the most important investments you can make to protect your family.  If anything happens to your property through accidental damages or losses; a tree falling on your roof, a leaking bathroom pipe, or the worst-case scenario, fire, causing serious damage or even complete destruction, not having home insurance could be the start to a costly mistake.

In a nutshell, without house insurance, you and your loved ones could find yourselves in serious financial difficulty or even worse, homeless. The advantages far outweigh the disadvantages, and all for a minimal yearly premium.  

What does standard homeowners insurance cover?

By choosing, one of the most reputable home insurance companies, companiesand getting home insurance quotes from us, you will view see why we are number one for house insurance quotes:  your policy cover will protect: 

  •     House and other structures– the structure of your house and other structures pertaining to it, such as fencing, will be covered.
  •     Personal Property– furniture and clothing will be covered
  •     Liability Coverage– any injuries that occur to people within your property are covered.  Remember tThis can help avoid costly lawsuits against you.
  •     Medical Payments– medical costs incurred by anyone on your property and, in some cases, extends to injuries incurred off your premises.
  •     Additional Living Expenses– if for any reason, your house is uninhabitable, for example during repair work, we will cover temporary housing costs. 

Of course, there are many extra home insurance options, includingwhich might include: 

Valuables / personal property. If you have any high-valued possessions you might want to include extra protection for them in your policy

Inflation protection. Inflation increases the value of your property and coverage will be adjusted to keep up with this extra value.

… and many more.

Make sure to ask our experienced staff member when you apply and request a homeowners insurance quote who will be delighted to answer all your questions, and help you put together the best policy for your property. 

How do I go about getting a quote?

Getting home insurance quotes from makes what can first appear to be a complicated task much, much easier.  We are one of the leading homeowner’s insurance companies on the market. We have up-to-date expertise on hand, with qualified insurers staff ready to help you with any doubts or queries you might be dwelling on have. 

We have accessibility to the widest network of carriers and agents in the insurance industry. That means a guarantee of the best insurance policy at the most competitive price. We have many years’ experience and many, many satisfied customers (15 million to be precise) who we have matched to the country’s top insurance companies over the years. 

Our user-friendly website makes the whole procedure for our customer simple and there are three easy steps to follow:

Step 1:  Choose the type of insurance you need in the first drop box. Enter “Home” for homeowners insurance.  Following this, you must enter your ZIP code.

Step 2:  This is where you enter some basic information about the property and will include questions about:

  •     Property type –single family home / condominium etc.
  •     Occupancy – is it your primary residence?
  •     Property address (with ZIP code)
  •     Age of property – an estimate will suffice at this stage

Further questions will ask about specific types of coverage, for example:

  •     Flood insurance – yes or no?
  •     If the property is a new purchase 

Some basic personal information is then need, for example:

  •     gender
  •     date of birth
  •     credit history 

Step 3:  When you are satisfied that you have answered all the questions properly, you simply submit your request and literally, within minutes you will have multiple, free, homeowner’s insurance quotes either by phone or email.

It really is that simple.  We can get you the best quote, in minutes, with the click of a button!

What factors determine my homeowners insurance rate?

Being adequately insured is of utmost importance so that if, and when, the need arises, you are properly covered and not out of pocket because of some oversight.  You should view review your insurance coverage regularly to be up-to-date with new products on the market and also remember to make sure your coverage keeps up-to-date with any modifications or upgrades made to your property over time.  

Some things that will have an impact on your homeowners insurance premium: 

  1. House age and materials used. Obviously the older your house, with older materials having been used for the building, the higher the risk of losses or damages damage from general deterioration or from external factors like harsh weather conditions.  Houses made of lightweight materials, like wood, will be more likely to get damaged than houses made from brick, stone or cement. The state of the roof on your house needs to be considered too, because if replacement or repair is needed, costs of labor and materials increase with time. All of these factors will be taken into consideration when calculating your premium. 
  1. Home security. Having an efficient home security system in your house has a two-fold effect – it can reduce your insurance premium while also giving extra protection to your family and your possessions against theft and vandalism.  Updating the locks in your home can start to help in reducinge the cost of your premium, as can installing fire alarms or sprinkler systems. 
  1.  House renovations. If you have done or started any renovations to your home, updated or installed a new kitchen, bathroom renovations, updates to plumbing, or made other improvements, you have added value to your home. Make sure you advise your homeowner'shomeowners insurance provider as these new improvements need to be accounted for in your policy and premium rates. 
  1.  Location.  If your home is in an area which is prone to natural disasters you can expect to pay a higher premium from the risk associated with that location. You may also want to check out if your ZIP code carries higher premiums. No longer just a calculation based on all lossesrisks, like hailstorm or fire damage, ZIP codes with higher numbers of theft claims, for example, could hike your insurance premiums up 3-5 percent. 

There are many factors to consider when thinking about home insurance, getting the right information and putting together a personalized, affordable plan for your home can only be done by the experts.   Contact, it only takes a few minutes of your time to get your free homeowner’s insurance quote.  If you prefer you can call us for a chat with our expert representatives who will help you with your choices. 

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