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Fast. Reliable. Affordable. Home Insurance Made Simple.
Your home is one of your biggest investments — make sure it’s properly protected. At CarInsuranceMatch.com, we help you compare home insurance quotes from top-rated insurers in just minutes.
- Instant Quotes
- National & Local Providers
- Personalized Coverage Options
- 100% Free & Secure
📍 Start by entering your ZIP code to find the best coverage at the lowest rates.
What Is Homeowners Insurance?
Homeowners insurance protects your property and personal belongings from damage, loss, or liability. It’s often required by mortgage lenders — but more importantly, it gives you peace of mind.
A typical policy includes:
| Coverage Type | What It Covers |
|---|---|
| Dwelling | Damage to your home’s structure |
| Other Structures | Garages, fences, sheds |
| Personal Property | Furniture, electronics, valuables |
| Liability | Legal fees if someone sues for injury |
| Medical Payments | Minor injuries to guests on your property |
| Loss of Use | Living expenses if your home is unlivable |
What Does Home Insurance Cover?
Depending on your policy, coverage may include:
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Fire, smoke, lightning
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Theft and vandalism
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Windstorms and hail
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Burst pipes or water damage (non-flood)
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Personal liability lawsuits
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Hotel expenses during repairs
⚠️ Note: Floods and earthquakes typically require separate policies.
Who Needs Homeowners Insurance?
You need home insurance if you:
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Own a home (mortgaged or paid off)
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Rent out property to tenants (consider landlord insurance)
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Own a condo or townhouse (HO-6 policy)
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Are purchasing a home (required by lenders)
🎯 Whether you’re a first-time buyer or a long-time homeowner, getting the right policy could save you thousands in claims.
How Much Does Home Insurance Cost?
Rates vary by location, home value, and risk level. On average, U.S. homeowners pay around $1,428/year, but you may pay more or less depending on:
| Factor | Effect on Price |
|---|---|
| Home’s Age & Condition | Older homes may cost more to insure |
| ZIP Code & Crime Rates | Riskier areas = higher premiums |
| Construction Materials | Brick homes often cheaper to insure |
| Claims History | Fewer past claims = lower costs |
| Credit Score | Impacts rates in most states |
Bundle & Save: Combine home and auto insurance to save up to 25%.
Why Compare Home Insurance with CarInsuranceMatch.com?
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Top Insurance Providers – Access names you trust (Allstate, Nationwide, Liberty Mutual, and more)
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Instant Online Quotes – No lengthy forms or phone calls
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ZIP Code-Based Matching – See what’s available in your area
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Mobile-Friendly Design – Built for speed and simplicity on any device
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100% Secure – Your data is protected with industry-grade encryption
Can I Switch Home Insurance Anytime?
Yes — even mid-policy. Many insurers offer pro-rated refunds if you switch before your renewal date.
🛑 Don’t overpay: if your premium has increased or your coverage no longer fits, it may be time to compare and switch.
Specialized Home Coverage Options
We also help you find quotes for:
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Renters Insurance
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Condo Insurance (HO-6)
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Landlord Insurance
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Mobile & Manufactured Home Insurance
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Flood & Earthquake Add-Ons
Let us match you with policies tailored to your unique home type.
Real People. Real Protection.
“We saved $700/year and got better coverage than our lender recommended.”
— Jenna & Chris M., Denver, CO
“Easy. Accurate. Transparent. CarInsuranceMatch was the best part of our home-buying process.”
— Lisa R., Orlando, FL
Get Your Free Home Insurance Quote Now
You’ve worked hard for your home. Make sure it’s protected — without overpaying.
📍 Enter your ZIP code to get started.
It only takes 2 minutes, and it’s completely free.
Frequently Asked Questions about Home Insurance
Is homeowners insurance required?
If you have a mortgage, your lender will require it. Even without a mortgage, it’s strongly recommended.
Does homeowners insurance cover floods or earthquakes?
Not typically. You’ll need separate flood or earthquake insurance in most cases.
Can I change providers without penalty?
Yes. You can switch anytime, and many companies offer refunds for unused coverage days.