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Homeowners Insurance Quotes

If you're looking for free homeowners insurance quotes, you're in the right place. HomeownersInsurance.com's licensed agents will shop your policy with up to eight highly rated home insurance providers to find you the best combination of great coverage and affordable premiums. Simply call the number above or fill in your ZIP code and the year your home was built to get started.

How homeowners insurance quotes are determined

What goes into a homeowners insurance quote? We're glad you asked, because we're happy to unlock some of the factors that go into the process.

  • Location: One of the first things a licensed agent from HomeownersInsurance.com will ask you is where the house you wish to insure is. It matters. The address will allow the agent to determine whether you live a place that's a high risk for natural disasters such as tornadoes or wildfires. The location also allows the agent to check on local building costs, which come into play if the house must be repaired or rebuilt due to a covered peril such as fire or wind. Other location factors providers consider are proximity to a fire hydrant and fire station.
  • Size and age of the home: Larger homes likely cost more to rebuild than smaller ones (depending on local construction costs), so that weighs into the quote. The age of the home – and whether features such as its roof, electrical and HVAC systems, and plumbing have been replaced or upgraded – also figures into your risk of filing a claim. In general, newer homes are considered to have a smaller risk of filing big claims.
  • More risks: Is there a swimming pool on the property? A trampoline? Both can cause headaches for homeowners insurance providers because they increase the chances of serious injuries – or worse – on your property, and they also increase the chance of a lawsuit against you. You'll likely be asked to build self-locking fences around them and increase your liability coverage in this situation. Certain dog breeds also trigger alarms from insurers because they're considered more likely to bite – the average dog bite claim in 2013 cost more than $26,000, according to the Insurance Information Institute (III).
  • Your history: If you have a history of filing home insurance claims, most providers believe you will file more claims. That means you likely will have to pay more for coverage.
  • Credit score: This one can seem puzzling at first glance. But providers believe there is a correlation between your credit score and the likelihood of filing a claim. In states where providers can consider your credit, homeowners with poor credit are considered to be riskier, which means they pay more.

One note – each provider uses a different algorithm to weigh these factors; that's why we shop your information with multiple carriers.

Discounts and your homeowners insurance quotes

We've outlined above some factors that can make your homeowners insurance quotes higher. But don't despair – there also are ways to lower your premiums. They're known as discounts. These price breaks differ greatly by state and provider, but the licensed agents at HomeownersInsurance.com are experts at finding all the discounts that apply to you.

Here are a few of the most common:

  • Home/auto bundle: This one is simple – and lucrative. Buy auto and homeowners insurance from the same provider and you can save up to 20%.
  • Security: If you have a monitored security system, you could save up to 10% and sometimes even more on your premium. Even having deadbolt locks on all points of entry can save you up to 5%.
  • Smoke detectors: If you have working smoke detectors and fire extinguishers, you can save up to 5%.
  • Nonsmokers: If no one in your household smokes cigarettes or other smoking products, you could save up to 20%.
  • 55 or older, retired: If you are 55 or older and retired, you could save up to 20% on homeowners insurance for your primary residence.

There are many other discounts, so check with your agent to make sure you're getting every one allowable in your state.

Act now to get your free homeowners insurance quotes

Now that you know more about what goes into homeowners insurance quotes, use that knowledge. Call HomeownersInsurance.com at the number above or enter your ZIP code and the year your home was built to get started. It's free, and you could save hundreds of dollars on coverage.