Purchasing homeowners insurance may feel like a necessary evil — yes, it’s another bill, but it does protect your most valuable asset in the event of calamity. To find the best cheap homeowners insurance, we balanced the craving for low premiums with the need for customer service, ample coverage, and financial stability. Our favorite home insurance companies offer abundant discounts to slash prices without slashing protection. To find the best — and cheapest — for you, we recommend gathering quotes from all five.
Keep in mind, not all insurance companies use agents. You can do business directly with many companies by purchasing coverage online. These policies may be less expensive since the company doesn't have to pay the agent's commission. Regardless of how you buy the policy, make sure the company is licensed in your state, is financially stable and check to see if they have complaints.

You can access all your personally identifiable information that we collect and maintain online by calling us at 1.800.670.3213 or emailing us at [email protected] This will give you the opportunity to review your personally identifiable information or update us on a correction that needs to be made. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections. We use this procedure to better safeguard your information.

NerdWallet averaged rates for 40-year-old men and women for 20 ZIP codes in each state and Washington, D.C., from the largest insurers, up to 12 in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:

7 This coverage pays for the repair or replacement of appliances, electronics and other home systems after a mechanical or electrical breakdown. Equipment Protection Advantage also provides coverage if you want to make “green” upgrades. It pays up to 125 percent of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.
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Let’s say your home burns down and it’s now uninhabitable. While your home is being rebuilt, you’ll need to live elsewhere for a short while. Additional living expenses (ALE) covers any living away from home costs and eases the stress of being temporarily uprooted. These expenses may include lodging, meals at restaurants, storage fees, and other costs incurred while your home is being rebuilt.
The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.
To all of those saying "I'd rather do it on my own," you're definitely taking a huge chance, and more than likely are throwing a ton of money away. There are certain fields where you can do things on your own. However, insurance isn't one of those fields that would be advisable to take that course of action. The laws/rules are sky high, and many of these laws and rules change every single year. Trust me, even if you don't think you're throwing money away, you more than likely are. Whether you choose a broker or captive agent captive agent, I would recommend using a professional who has in depth knowledge. I mean, it's free, anyway. Insurance is similar to the legal/lawyer field. If I had a case, I certainly wouldn't want to represent myself.
If you’re in bargain-hunting mode, Liberty Mutual may be a good place to look for homeowners insurance. It offers a long list of discounts — matching leading companies like State Farm, Allstate, and Nationwide in number — that includes some hard-to-find options we appreciated. For instance, Liberty Mutual is one of only two companies on this list, along with the Hartford, that will cut you a deal if you insure your house for 100% of its value. Other unique discounts include savings for new homes, homes with new roofs, first-time insurance buyers, and customers that set up autopay or pay online.

Most states allow insurers to factor in your credit score when deciding what you’ll pay. The logic? Customers with high credit scores are less likely to make claims, and the insurer will return some of those expected savings in the form of lower rates. If you need some help getting on top of your score, and potentially improving it, check out our favorite credit monitoring services.

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When it comes to online resources, don’t expect much information or assistance from MetLife. Its website is barebones, with nothing more than a seven-question FAQ and landing page. Also, only people in 10 states have the option to get a quote online. For those who like to do extensive research online before making a call to a sales person, MetLife won’t have the online presence to satisfy a purchasing decision.
The insurance agents at Boomer Benefits work full-time on Medicare-related insurance products. That means our agents are not distracted by trying to sell other specialty forms of insurance. Because of this, we feel confident that our staff members are among the most well-educated Medicare insurance brokers around. We are hands-down the best Medigap insurance broker that we can be.
Insurance.com in 2016 commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 75 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Personal Property defaulted: 50%. Guest Medical limit: $5,000. Personal property: 50% of dwelling coverage for actual cash value.
7 This coverage pays for the repair or replacement of appliances, electronics and other home systems after a mechanical or electrical breakdown. Equipment Protection Advantage also provides coverage if you want to make “green” upgrades. It pays up to 125 percent of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.
5. You can change your life insurance. Perhaps you have a life insurance policy that your parents got for you when you were a baby. Perhaps you have a term policy from when you bought your house but now you have a bigger family and you’re concerned about getting them all through college. Or perhaps you want to bump up your coverage because your overall cost of living has changed. And on *that* note …
It's difficult to apply a rule of thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts, and your lifestyle. However, a general guideline you may find useful is to obtain a policy that would be worth between five and 10 times your annual salary in the event of your death. Beyond that guideline, you may want to consider consulting a financial planning professional to determine how much coverage to obtain.

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Needs it helps meet: Universal life insurance is most often used as part of a flexible estate planning strategy to help preserve wealth to be transferred to beneficiaries. Another common use is long term income replacement, where the need extends beyond working years. Some universal life insurance product designs focus on providing both death benefit coverage and building cash value while others focus on providing guaranteed death benefit coverage.
While you won’t be able to pinpoint the amount you’ll need to the penny, you can make a sound estimate.  Your goal should be to develop a life insurance plan that, following your death, will allow your family to live comfortably without your economic contribution. Also consider the effect of inflation over time. The amount needed for retirement or college 20 years from now is likely to be significantly higher than today.
USAA also garners impressive marks for financial strength. As of 2018, the provider holds an “A++” from A.M. Best, “AA+” from S&P Global, and “Aa1” from Moody’s. Out of our top picks, only State Farm rivals those scores. Such high financial ratings mean that USAA can be counted on to pay claims regardless of size or circumstance — even if the market takes a downturn or a large-scale disaster requires the company to pay out on many claims at once. In other words, homeowners insurance from USAA is truly a safe investment.
Notes No risk of losing coverage, but no cash value when term ends No risk compared to other permanent types, but there are probably better investment options Refunds your premiums at the end of the term if you outlive the policy - Risk of holding expensive insurance policy with little ot no cash value Risk of holding expensive insurance policy with little to no cash value

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Insurance agents have a responsibility to the insurance company.  Agents act as the insurance company representative in the buying process as they are typically salaried employees.   Most insurance agents are “Captive” to represent only one company, such as: Allstate, State Farm, Farmer, etc.  Because they are contracted as captive insurance agents, they are not able to discuss or recommend other insurance companies.  

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Rules of ethics. (You might say this is a simple case of “buyer beware,” but as government investigations have indicated, it’s the misrepresentation that’s the problem. Such investigations have found that brokers do not always consider their clients’ best interests, instead acting primarily in their own interests and those of their favored insurance companies.)


Acts of war or acts of God such as earthquakes or floods are typically excluded from standard homeowners insurance policies. A homeowner who lives in an area prone to these natural disasters may need to get special coverage to insure his or her property from floods or earthquakes. However, most basic homeowners insurance policies cover events like hurricanes and tornadoes.
In Australia, all insurance brokers are required under the Financial Services Reform Act 2001[10] to be licensed by the federal government’s Australian Securities and Investments Commission (ASIC).[11] Reputable and experienced insurance brokers in Australia will generally also hold additional qualifications such as a certificate or diploma in financial services which requires the completion of in depth studies in a specific area, the most common being general insurance or insurance brokering.
Dealing with an insurance broker as opposed to directly with an insurer is something many customers (particularly businesses) choose to do in Australia for reasons including: the ease of having the "shopping around done for them"; having the opportunity for premium funding which allows for larger insurance policies to be paid in installments rather than all at once; dealing with one broker for all policies from the car insurance to professional indemnity insurance rather than dealing directly with several insurers; and, the ease of having claims managed by the broker who deals directly with the insurer on the client's behalf.
If you are or were in the military, or if your parents, parent-in-law, or spouse was in the military you are eligible for USAA auto insurance, and they may just be the best company for you. USAA scores 5/5 stars for the both shopping experience, and claims handling process in the J.D. Power study. They do particularly well on how you can report your claims to the company. You should also be highly satisfied with their final settlement claims. For more information, read here.
The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.  

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Alongside State Farm and Allstate, Progressive earned a 3/5 from J.D. Power. One of the most popular praises for Progressive comes down to reasonable prices, and this is bolstered by the company’s unique quote process. The attentive online quote tool pairs you with several of Progressive’s underwriting partners and their policy options, meaning that while most insurance companies generate a single quote, Progressive offers multiple, and allows you to shop for the coverage and price that works best for you.
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Typically, life insurance is chosen based on the needs and goals of the owner. Term life insurance generally provides protection for a set period of time, while permanent insurance, such as whole and universal life, provides lifetime coverage. It's important to note that death benefits from all types of life insurance are generally income tax-free.1

When it comes to saving on your investment, State Farm does offer discounts, but they’re standard and fairly limited. Home additions like sprinklers, fire extinguishers, and alarms will get you a price break. But if you’re a new homeowner or recently renovated, it might pay to shop elsewhere. You won’t have any luck with discounts for enrolling in autopay, being retired, or sticking with State Farm for the long term.
My husband and I have been using the same Independent Insurance Agent for over 15 years and I can't imagine getting insurance from anyone else! I like the personalized service we get. As bad as customer service is everywhere else, it's nice to know that I can go to my local office and get the help I need. I'm rarely put on hold when I call and I'm always helped by a knowledgeable staff member, not someone reading from a script. I've compared our insurance rates with many other companies, and our agent makes sure we get the best insurance for the best price. We've dealt with brokers and captive agents too, but our best experiences have been with Mr. Johnson.
Captive Agents - Captive insurance agents represent just one insurance carrier. In essence, they are employees of the carrier. The upside of working with a captive agent is that he or she has exceptionally thorough product knowledge. The downside is that he/she cannot provide access to products or pricing from outside their respective company. For this reason, you must have a high tolerance for carrier-specific terms, since each carrier and its in-house representatives may use language that is tough to compare across several companies that you encounter. Nevertheless, tap into that exceptional product knowledge and get smarter along the way as you search. The surge in online insurance websites offers consumers yet another option to use as part of their selection strategy. It is easy to find an insurance agent online, particularly one from a national insurance provider. Moreover, with 24-7 online access and quick comparison of policies, these web services are convenient, quick and a great way to ballpark quotes and to give you exposure to a wide variety of insurance providers. When you find one that is appealing to you, give them a call or fill out an agent request online.

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7 This coverage pays for the repair or replacement of appliances, electronics and other home systems after a mechanical or electrical breakdown. Equipment Protection Advantage also provides coverage if you want to make “green” upgrades. It pays up to 125 percent of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. 
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You may get a cheaper quote from Allstate, but customers have mixed views as to whether they’re getting their money’s worth. The company’s 3/5 rating from J.D. Power and its score of 80 from Consumer Reports indicate that Allstate customers are less satisfied than Amica customers when it comes to policy price, interactions, and claims. But if price truly is the most important factor to you, Allstate may very well offer you the cheapest quote.
This is so true, and even more so for personal insurance such as auto, home, and life. Everyone should be aware that unlike your financial advisor (who is heavily regulated) your insurance broker has NO fiduciary responsibility to act in your best interest. What I find amazing about this contradiction is that a large percentage of families in this county likely send more annually on insurance products than put into savings and retirement accounts.

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