What drives your premium
Homeowners insurance · Compare quotes
Compare home insurance in about a minute.
Answer a few questions and we'll connect you with licensed agents who can quote several carriers, get an agent on the phone right now, or point you to trusted comparison sites.
- Licensed agents and carriers
- Home + auto bundles
- Free, no obligation
HomeModel isn't an insurance company, agent or broker and doesn't provide quotes. Licensed partners provide all quotes and coverage. Disclosures
Home insurance quotesStep 1 of 8
What ZIP code is the home in?
Free · About 60 secondsSecure · Powered by boberdoo Omni
Roof age & material
Newer and impact-rated roofs usually cost less to insure. Very old roofs can limit coverage.
Weather risk where you live
Hail, wind, wildfire and flood exposure in your ZIP code shape the base rate.
Your deductible
A higher deductible lowers the premium. Many policies have a separate wind/hail deductible.
Bundling
Putting home and auto with one carrier is one of the most common discounts.
Roof age × home insurance
Your roof's age is on your insurance bill.
Insurers price homeowners policies heavily on the roof. Slide to your roof's age and see how carriers are likely to treat it, then get help with either side.
General guidance based on common carrier practices. Your policy and state rules decide your actual coverage.
Insurers start to look closer
At this age some carriers ask for an inspection, raise the wind/hail deductible, or pay roof claims at actual cash value instead of replacement cost.
Your options
Quotes, an agent, or your own research.
Tell us a little about the home. We'll offer whichever path gets you covered fastest.
Quotes from up to three agencies
Answer a few questions once. The agencies you're matched with call or email with a written quote. You pick, or pass.
Talk to a licensed agent right now
If a licensed agent is free, we connect you by phone to compare quotes on the spot. No waiting for callbacks.
Research on your own schedule
Not ready to talk? We'll point you to trusted sites for comparing carriers and coverage. Clearly labeled, no sign-up.
Coverage 101
What a standard policy covers.
Most homeowners policies (HO-3) are built from six coverages. Ask each agent to quote the same limits so you compare like with like.
| Coverage | What it pays for | Compare on |
|---|---|---|
| Dwelling (A) | The structure of your home, including the roof. | Rebuild cost, not market value |
| Other structures (B) | Detached garage, fences, sheds. | Often 10% of dwelling |
| Personal property (C) | Furniture, electronics, clothing. | Replacement cost vs. actual cash value |
| Loss of use (D) | Hotel and living costs if you can't stay home after a covered loss. | Check the time limit |
| Liability (E) | Injuries or damage you're legally responsible for. | $300k–$500k is common |
| Medical payments (F) | Guests' minor medical bills, regardless of fault. | Small limits, fast payment |
How it works
Covered in three steps.
1
Tell us about the home
ZIP code, home type, roof age and claims history. About a minute.
2
Choose how to compare
Get quotes from up to three licensed agencies, talk to an agent now, or browse comparison sites.
3
Pick your policy
Agents quote carriers they represent. You compare coverage and price, then decide.
Roof over 15 years old? Start there.
Replacing an aging roof can open up better coverage and lower rates. Get free quotes from local roofers.
Home insurance FAQ
The questions agents hear most.
Does HomeModel sell insurance?
No. We connect you with licensed agents and insurance companies. They provide quotes, advice and policies.
Why does my roof's age matter so much?
Roofs drive a large share of homeowners claims, especially from wind and hail. Carriers often charge more, or limit roof coverage to actual cash value, as a roof ages.
Will comparing quotes hurt my credit?
Insurance quotes generally use an insurance score, which doesn't affect your credit score. Ask each agent how they rate.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to rebuild or replace with new materials. Actual cash value subtracts depreciation, which can leave a big gap on an older roof.