Compare the top home insurance providers in United States — see cover, features and typical rates side by side.
25 live offers compared from 14 providers, from $0. Updated daily.
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Largest US home insurer. Excellent claims support. Bundle with auto for up to 17% off.
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Comprehensive homeowners coverage. Bundle discount up to 25%. Local agent network.
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Military-exclusive homeowners insurance. Best rates and claims satisfaction. No credit check.
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AI-powered instant coverage. Policies from $25/mo. Unused premiums go to charity.
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Customizable home coverage. Inflation protection. Bundle discount up to 15%.
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Modern home insurance with smart home protection. Faster quotes. Home care services included.
$5 /month
$25 /month
$110 /month
$200 /year
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$500 /month
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Homeowners insurance protects your house and belongings against covered perils such as fire, theft, wind and certain water damage, and provides liability coverage if someone is injured on your property. In the United States it is not legally required, but mortgage lenders mandate it for the life of the loan. A standard policy also covers additional living expenses if you are displaced. Renters and condo owners buy narrower policies covering personal property and liability rather than the building itself.
Home insurance is regulated by state insurance departments, and availability and price vary sharply by region because of catastrophe risk—hurricanes, wildfires, hail and floods. Standard policies exclude flood, which requires separate coverage through the federal National Flood Insurance Program or private insurers, and earthquake coverage is also typically separate. Insurers price on the home's rebuild cost, location, age, roof, claims history and, in most states, credit-based insurance scores. Policies pay out on either replacement-cost or actual-cash-value terms.
Dwelling protection — Rebuilds or repairs your home after covered fire, wind or other damage.
Liability coverage — Pays legal and medical costs if a visitor is injured or you damage others' property.
Personal property — Covers belongings against theft and covered perils, sometimes at replacement cost.
Loss of use — Covers hotel and living costs while your home is uninhabitable after a claim.
Insure your home for its full rebuild cost, not its market value, and prefer replacement-cost coverage over actual-cash-value so depreciation is not deducted. Assess whether you need separate flood or earthquake coverage for your area. Compare deductibles, including any separate wind or hurricane deductible in coastal states, and check personal-property and liability limits, raising liability if you have assets to protect. Bundling with auto often lowers both premiums, and stronger insurer financial ratings matter for large catastrophe claims.
State Farm and Allstate are the largest homeowners insurers with nationwide agent networks and bundling discounts. USAA earns top marks but serves only military members and families. Liberty Mutual and Nationwide are major national carriers offering broad coverage and multi-policy discounts. Insurtechs Lemonade, Hippo Insurance and Kin Insurance sell fast digital policies—Lemonade for renters and homeowners with an app-first model, and Hippo and Kin focusing on modern home coverage including in higher-risk regions.
Premiums vary widely by state and risk, commonly running from roughly ,000 to well over $2,000 a year for a typical single-family home, and much higher in hurricane- or wildfire-prone areas. Renters policies are far cheaper, often around 5–$25 a month. Raising your deductible, bundling with auto, and adding protective devices lower the premium, while coastal wind and separate flood coverage add cost. The rebuild value and claims history are the biggest price drivers.
Homeowners insurers are licensed and regulated by state insurance departments coordinated through the NAIC, which oversee rates, forms and claims-handling practices. State guaranty associations cover claims up to statutory limits if an insurer fails. Flood coverage is federally backed through the NFIP, administered by FEMA. Consumers can file complaints with their state regulator, and most states prohibit unfair claims-settlement practices and require timely claim decisions.
Is flood damage covered? No—standard policies exclude flooding; you need separate NFIP or private flood coverage. Should I insure for market value? No—insure for the cost to rebuild, which can differ significantly from market price. Does filing a claim raise my rate? It can, and a history of claims may increase premiums or affect renewal, so weigh small claims against your deductible.
The cheapest Home Insurance in United States is $0 indicative rate from State Farm.
Giraffy tracks 5 homeowners insurance products across State Farm,Allstate,USAA,Lemonade,Liberty Mutual insurers in United States. The lowest tracked price is $0 indicative rate. Premiums depend on your property type, rebuild or replacement cost, contents value, and local claims history — compare multiple quotes to find the best deal for your specific circumstances.
Dwelling coverage pays to repair or rebuild your home's structure if it's damaged by a covered peril. Personal property coverage pays to replace your belongings inside. Most homeowners policies include both, plus liability coverage if someone is injured on your property.
As a renter, your landlord's insurance doesn't cover your belongings. Renters insurance covers your personal property against theft and damage, plus liability if you accidentally injure a guest. It's typically very affordable — often under $20/month.
Standard exclusions include: general wear and tear, damage caused by pests, mechanical breakdown, and damage due to poor maintenance. Flood and earthquake cover are often sold separately — especially in high-risk areas. Always check exclusions carefully — especially for high-value items like jewellery above a single-item limit.
The deductible is the amount you pay out of pocket before your insurer covers the rest. Higher deductibles mean lower premiums. Common amounts are $500, ,000, and $2,500. Choose a deductible you could comfortably pay in a year.
Dwelling cover should reflect the replacement cost — what it would cost to demolish and rebuild your home from scratch — not the market value. These figures can differ significantly. Many insurers provide online replacement cost calculators; a professional assessment is more accurate for unusual or period properties.