Homeowners insurance with an agent
Choosing home insurance can be complex. Our local, licensed insurance agents can help. Call us today! 800-835-0894
We can help you find the best home insurance
Local and licensed Comparion agents know the insurance world inside out. They will guide you through the complex process of finding the right homeowners insurance coverage - and help you save money, too!
Quote with an insurance agent
Do I need home insurance?
While homeowners insurance is not required by law, most mortgage companies and banks will require it as a condition of your loan.
Home insurance also protects you from a potentially large financial loss resulting from your primary residence experiencing damage from wind, water, fire, or theft. For most people home insurance is the only way to rebuild if you experience damage to your house, including a total loss.
Homeowners insurance can also provide coverage for legal actions, such as the cost of paying for bodily injury to others or damage to their property.
Our home agents will guide you through the process, sharing their expertise to ensure you have the best home insurance coverage for your budget.
Let a Comparion homeowners insurance agent help you find the best home insurance coverage on the market.
Start a quoteHow do I start working with an agent?
With Comparion, getting a homeowners insurance quote with an agent is quick and easy. Start a home insurance quote with just your name, address, email, and phone number. An insurance agent near you will give you a call to finish the process.
Want to have a conversation first? Find an agent near you and schedule time to talk. We have agents all over the country who are ready to work with you and recommend coverage options that best protect you and your home.
Our agents will help you understand what coverages are required and recommended, and do their best to save you money on home insurance, too.
Start a quoteDoes home insurance cost more with an agent?
Using an agent to shop for homeowners insurance doesn't cost extra. In fact, our agents will try to find you the best coverage at the lowest price that works for your budget.
Homeowners insurance costs tend to be more dependent on a few key factors including location, size, and how much coverage you think you need. Average home insurance rates vary regionally.
Our insurance agents will meet with you to learn more about your residence and assess your needs. We will always aim to get you the right match for your needs at the best price possible.
Which home insurance offers the best value for me?
Local, licensed Comparion agents can quote with many reputable insurance companies to help you find the right homeowners insurance policy with the best value by comparing coverages, deductibles, and more.
FAQs about home insurance
Homeowners insurance typically includes coverage for destruction or damage due to natural disasters, fire, wind, hail, hurricanes, vandalism, and theft. The following insurance coverage typically comes standard with homeowners policies:
- Dwelling
- Personal Property Coverage
- Personal Liability and Medical Payment to Others
- Additional Living Expense/Loss of Rent
While Dwelling refers to the physical structure of your home, Personal Property Coverage refers to the cash value of covered personal property that may need replacement after a covered loss. Common items included are furniture, electronics, and valuables up to a certain amount.
Home insurance is required when you have a mortgage. If you do not have a mortgage, home insurance is typically not required, however it is strongly recommended to protect your home (most people's largest asset) with homeowners' insurance.
The age and size of the home, rebuild cost, location, which deductible you select, and claims history are all important factors.
For a primary and secondary residence, personal property is covered. We recommend having personal property replacement cost coverage to ensure your personal property is insured at today's value versus a depreciated value. There are special limits for high-value items such as jewelry, firearms, rugs, cameras, and more. Your agent can help you schedule your high-value items.
- This will depend on if the home is your primary, seasonal, or rental property. The coverages most important on a home policy are:
- Dwelling with extended replacement cost coverage to rebuild the home.
- Personal Property with replacement cost to ensure your personal property is replaced at today's value versus a depreciated value. Depending on your needs, there are additional endorsement options to discuss with a Comparion agent.
Increase your deductible, install a reporting alarm system, replace your roof, make sure you're covered properly and paying for what you need.
Replacement cost reimburses the full cost to repair or replace property without depreciation*, while actual cash value subtracts depreciation and pays current value. Replacement cost is pricier but provides fuller protection for repairs and replacements. *subject to policy provisions
No, floods and earthquakes are generally excluded from standard homeowners policies; you need a separate flood policy (NFIP or private) and an earthquake endorsement or policy. Talk to your agent about purchasing these coverages separately, especially if you live in a high-risk area.
Most homeowners carry at least $300,000 to $500,000 of personal liability coverage, and many consumers add a $1 million umbrella for extra protection if they have significant assets or increased liability exposure. The right limit depends on your net worth and risk factors.
An older roof or high-risk roofing materials (like wood shakes) can increase premiums, lead to coverage exclusions, or trigger inspections; newer impact-resistant roofs may lower your rates. Insurers consider roof age, condition, and materials when underwriting.