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Home Insurance

Protect your home with the right coverage

Find homeowners policies that fit your home's value and your budget.

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What's included

  • Dwelling and personal property coverage
  • Liability and medical payments
  • Flood and earthquake add-ons available
  • Replacement-cost valuation options
$612
Average customer savings

What's included

Everything you need from home coverage

Dwelling and personal property coverage

Liability and medical payments

Flood and earthquake add-ons available

Replacement-cost valuation options

Why CoverageCompare

A smarter way to shop home insurance

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We work with 120+ licensed carriers so you see real competing offers — not just one.

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Every agent in our network is licensed in your state and verified by our compliance team.

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How it works

Quotes in 3 simple steps

1

Tell us about your needs

Share a few quick details about your home coverage needs. Under 2 minutes.

2

Get matched with agents

We connect you with top-rated carriers and licensed agents in your state.

3

Compare and choose

Review competing quotes side-by-side, ask questions, and pick the best fit.

Your home is likely your largest asset — and one of the most important things you can protect. Homeowners insurance covers your dwelling, personal property, liability, and additional living expenses if your home becomes uninhabitable. Yet millions of homeowners are overpaying or underinsured simply because they've never compared rates. Covrable makes it easy to compare homeowners insurance quotes from multiple licensed carriers in minutes.

What Does Homeowners Insurance Cover?

A standard homeowners insurance policy (HO-3) covers your dwelling — the physical structure of your home — against damage from covered perils like fire, windstorm, hail, lightning, and vandalism. It also covers other structures on your property (fences, garages, sheds), your personal belongings inside the home, liability if someone is injured on your property, and additional living expenses (ALE) if your home is uninhabitable after a covered loss. Most standard policies do not cover flood or earthquake damage — those require separate policies.

How Much Does Home Insurance Cost?

The national average for homeowners insurance is around $1,400–$1,800 per year, but costs vary widely based on your home's location, age, size, construction type, and the coverage limits you choose. Homes in areas prone to hurricanes, tornadoes, or wildfires typically cost more to insure. Your claims history, credit score, and the deductible you select also impact your rate. Bundling home and auto insurance with the same carrier typically saves 10–25% on both policies.

Replacement Cost vs. Actual Cash Value

When insuring your home and belongings, you'll choose between replacement cost value (RCV) and actual cash value (ACV). Replacement cost coverage pays what it would cost to repair or replace your home and belongings at today's prices, with no deduction for depreciation. Actual cash value coverage deducts depreciation, meaning older items are worth less at claim time. While ACV policies are cheaper, RCV policies provide significantly better protection and are worth the extra cost for most homeowners.

Do I Need Flood or Earthquake Insurance?

Standard homeowners policies exclude flood and earthquake damage. If you live in a flood-prone area, your mortgage lender may require you to carry a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private carrier. Earthquake insurance is particularly important in California and the Pacific Northwest. Even if not required, adding these coverages is worth considering — FEMA reports that just one inch of floodwater can cause $25,000 or more in damage.

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