Home & Renter Insurance
Homeowner or renter, we help you find coverage that actually makes sense for where you live.
Protect Where You Live
Here is something most people do not think about until it is too late: one house fire, one burst pipe, one tree falling through the roof, and suddenly you're looking at tens of thousands of dollars in damage. Home insurance exists so that one bad day does not wreck you financially.
Whether you own your place or rent it, there is a policy that fits your situation. And with us comparing the options for you, finding it does not have to eat up your whole weekend.
Quick Numbers
- Average US homeowner premium: $1,800/year.
- Average renter premium: $15 to $30/month.
- Only 55% of renters have active insurance.
- Most claims are for water and wind damage.
Homeowner Insurance: The Full Picture
If you own your home, your insurance policy is doing a lot more than most people realize. It is not just about the building itself. A solid homeowner policy covers the structure, your stuff inside it, and even protects you if someone gets hurt on your property. It is basically a financial safety net for the place where you spend most of your life.
- Dwelling coverage: Protects the physical structure of your house.
- Personal property: Covers your furniture, electronics, and clothing.
- Liability protection: Keeps you safe if someone slips on your porch.
- Additional living expenses: Pays for temporary housing if you have to move out.
Renter Insurance: Do Not Skip This One
Your landlord's policy covers the building, not your stuff. If there is a fire, flood, or break-in, your laptop, furniture, and everything else is on you. Renter insurance typically costs under 30 dollars a month and covers way more than most people realize, including liability and additional living expenses.
- Low cost: Usually costs 15 to 30 dollars per month.
- Full coverage: Protects your belongings inside and outside the apartment.
- Liability: Protects you if a guest gets hurt in your home.
- Global protection: Most policies cover your stuff even when you travel.
Renter Insurance
Simple, cheap protection for your personal belongings and liability.
Get Renter QuoteHome Insurance Carriers We Compare
We evaluate plans across pricing, deductibles, discounts, and online quote capabilities.
| Provider | Best For | Avg Annual Cost | Deductible Range | Bundling Discount |
|---|---|---|---|---|
| Lemonade | Renters & Modern Buyers | $800 to $1,600 | $250 to $2,500 | Yes |
| State Farm | Overall Coverage | $1,800 to $2,400 | $500 to $2,500 | Yes |
| Allstate | Customization Options | $1,700 to $2,300 | $500 to $5,000 | Yes |
| Progressive | Bundling with Auto | $1,500 to $2,200 | $500 to $2,500 | Yes |
| USAA | Military Families | $1,200 to $1,800 | $500 to $5,000 | Yes |
Frequently Asked Questions
Unbiased answers to help you navigate property coverage parameters.
Homeowner insurance covers the physical structure of the building and the land, along with personal property and liability. Renter insurance only covers personal property and liability, it does not cover the building structure because the landlord owns that.
Standard home policies do not cover floods, earthquakes, or damage caused by neglect (like mold or termites). You need to buy separate riders or policies if you want coverage for flood or earthquake hazards.
A deductible is the amount of money you pay out of pocket before your insurance coverage starts. For example, if you have a 1,000 dollar deductible and a claim for 5,000 dollars in damage, you pay the first 1,000 dollars and the insurance covers the remaining 4,000 dollars.