Homeowners Insurance

Get a home insurance quote and cover your house & more

Find the best homeowners insurance for your property

Homeowners insurance is designed to protect you from the things that can damage your home, belongings, or hurt you financially. It covers wind/hail damage, fires, lightning, theft, and more. Plus, it covers injuries that occur on your property and lawsuits against you, such as someone suing you because they were hurt at your home.

When you get your free homeowners insurance quote, many of your coverages will be automatically included. Plus, you can add even more. That’s just one of the many reasons we’re #1 in online home insurance quotes.* Get a quote today - we have expert agents standing by to guide you through your choices.

HomeQuote ExplorerHomeQuote Explorer

Try our HomeQuote Explorer: A unique quoting experience where you can choose the right homeowners insurance coverages. We're the only home insurance company that lets you compare rates and coverages from multiple companies. Enter your info once, and we'll show you several options so you can buy the best homeowners insurance policy for you.

Homeowners insurance coverages we offer

We offer coverages for your house, garages, sheds, other structures on your property, lawsuits against you, and more. Get a homeowners insurance quote online to see how affordable insurance for your house and other assets can be. Questions already? See our homeowners insurance FAQs for quick answers, or chat with our expert representatives as you consider your coverage options.

Repair/rebuild your home and other structures

Home insurance covers the cost to repair or completely rebuild your house and other structures as a result of fire, wind, hail, tornados, falling trees/limbs, ice dams, roof damage, and more.

Example: It snows a ton, and your roof caves in. The snow then falls into your house damaging your walls, kitchen cabinets, countertops, and more. Homeowners insurance covers all of these damages.

Temporary living expenses

If you can't stay at home during repairs, your homeowners insurance covers hotel stays and even meal expenses above what you’d normally pay, up to your policy’s limits

Example: A tree crashes through your roof, and you have to spend $2,500 to stay two weeks at a hotel and pay for your family’s meals. You're covered for the entire bill.

Injuries and lawsuits against you

This coverage is called personal liability and covers lawsuits for property damage or injuries that you or your family members could be responsible for. You can add coverages for libel, slander, or other lawsuits.

Example: A delivery person falls on your steps, breaks their arm, damages their merchandise, and then their company sues you. Your homeowners insurance can pay for their medical bills, lost wages while they're injured, and the damaged merchandise.

Your personal possessions

Furniture, clothes, electronics, appliances, tools, power equipment, and your other belongings are usually covered, even if they're not in your house. For more expensive items, such as jewelry or art, you may need to add separate coverage for extra protection. If so, give us a call at the end of your online homeowners insurance quote.

Example: Someone breaks into your car and steals your cellphone and thousands of dollars’ worth of tools/equipment. You just have to pay your deductible, and the rest is covered.

Ways to save on homeowners insurance

Bundle homeowners and auto

Save another 10% or more when you combine Progressive home and auto.† Your discount will be applied to your auto policy. See more on bundling insurance.

Quote in advance

Plan ahead and save. Get a home insurance quote 10 days before your actual policy starts to save.

Alarm systems and safety devices

You could earn extra discounts for fire alarms, burglar alarms, automatic sprinklers, and security systems in your home.

New purchase

Earn an extra discount if you're purchasing a new home (doesn't have to be newly built) or switching from a current renters policy.

We have a network of home insurance companies we work with and can connect you with. This gives you more price and coverage choices when quoting. The availability and amounts of discounts can vary by company and your state.

When you need homeowners insurance

Homeowners insurance is for you if you own a home, vacation home, or are purchasing a home. Your mortgage lender will likely require you to get a policy to insure your property, plus you’ll want to safeguard what is likely your most valuable asset. Simply get a homeowners insurance quote online and we’ll help you get the coverages you need and take care of the details with your lender.

If you own a condo, townhouse, or row home you will need condo insurance instead. For renters living in an apartment, dorm room, condo, or house, we offer renters insurance to help protect your belongings. Renting a property to someone else? Call 1-855-347-3749 to learn about our specialized coverage for landlords.

How to get a homeowners insurance quote

You can buy homeowners insurance online or over the phone. All we need is a few pieces of information to give you an accurate quote, including:

  • Who lives with you? We’ll ask a few basic questions about who will be in and out of the property, including whether you will be running a business from the home.
  • How is the home built? Be prepared to provide details about your home’s construction, such as when the roof and utilities were last updated.
  • Who will own the home? Let us know if you have a co-owner/co-applicant (usually a spouse) and make sure you have their Social Security number handy.
  • Do you have home insurance now? Tell us who your provider is and how long you have been insured so we can get a complete picture of your claims history.

Once we have your answers, we’ll find the best homeowners insurance policy for you. Have a home with unique architecture or that is worth more than $1 million? Call 1-855-423-8307 for specialized coverage.

Have a few more questions? Read our Homeowners Insurance 101 guide for more tips on how homeowners insurance works.