Affordable Home Insurance Quotes

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Finding a home insurance plan to fit your needs is very important for your financial security. Instead of contacting each insurance company one at a time, use our free service to match you to the best insurance provider based upon your needs. No matter what type of home you own, generating quotes from different insurance companies will put you one step closer to protecting your household and belongings.
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Here are some of the types of homeowners insurance you can obtain:

Main Dwelling

Coverage of the main dwelling protects the home and any attachments to the home. It does not cover any damage to the land.

Structural Coverage

Coverage of other structures protects buildings on the property that are not attached to the main dwelling, as well as landscaping; however, it does not protect land or structures used for business purposes.

Individual Property Coverage

Personal property coverage pays (up to policy limits) for all personal property that is owned or used by the policyholder. It covers personal property regardless of the property’s location. For example, loss to contents in your personal vehicle at work would be covered by the personal property component of your homeowners insurance. Personal property coverage also covers property of guests in your home.

Loss of Use

Loss of use coverage pays for losses that are incurred if your home becomes uninhabitable. It is limited to 20 percent of the home’s coverage. Benefits of this type of coverage cover living expenses that are incurred if you need to relocate temporarily until your home is repaired. This type of coverage also covers fair rental value of any structure in which a renter was leasing part of the home. Finally, this type of coverage covers losses in the case that a civil authority prohibits you from using the structure.

Flood Insurance

Most homeowner’s insurance policies do not have flood insurance coverage. The Federal Government runs the National Flood Insurance Program (NFIP), which is why most home and property insurance typically doesn’t cover flooding. The government draws a Flood Hazard Boundary Map that divides the country into flood zone risk areas, and their Flood Insurance Rate Map sets the coverage and premiums for those areas.

Mobile Home Insurance

Mobile home insurance is the same as homeowners insurance; however, mobile home insurance quotes are designed for the unique structural demands of mobile homes.

Renters Insurance

Renters insurance will protect your property, but does not provide coverage for the structure itself. It is the owners responsibility to provide structural coverage. Renters insurance can provide financial support for losses, theft, and other damages.

Condo Insurance

Condo insurance covers the interior of the condominium, including personal property. The condominium association is responsible for the structure itself, as well as the common areas shared by all units. This insurance provides compensation for damages associated with theft or natural disasters.


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