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Homeowners insurance with an agent
Choosing home insurance can be complex. Our local, licensed insurance agents can help. Call us today! 800-835-0894
We can help you find the best home insurance
Local and licensed Comparion agents know the insurance world inside out. They will guide you through the complex process of finding the right homeowners insurance coverage - and help you save money, too!
Quote with an insurance agent
Do I need home insurance?
While homeowners insurance is not required by law, most mortgage companies and banks will require it as a condition of your loan.
Home insurance also protects you from a potentially large financial loss resulting from your primary residence experiencing damage from wind, water, fire, or theft. For most people home insurance is the only way to rebuild if you experience damage to your house, including a total loss.
Homeowners insurance can also provide coverage for legal actions, such as the cost of paying for bodily injury to others or damage to their property.
Our home agents will guide you through the process, sharing their expertise to ensure you have the best home insurance coverage for your budget.
Let a Comparion homeowners insurance agent help you find the best home insurance coverage on the market.
Start a quoteHow do I start working with an agent?
With Comparion, getting a homeowners insurance quote with an agent is quick and easy. Start a home insurance quote with just your name, address, email, and phone number. An insurance agent near you will give you a call to finish the process.
Want to have a conversation first? Find an agent near you and schedule time to talk. We have agents all over the country who are ready to work with you and recommend coverage options that best protect you and your home.
Our agents will help you understand what coverages are required and recommended, and do their best to save you money on home insurance, too.
Start a quoteWhy should I buy home insurance through an agent?
Personalized advice
When you work with a home insurance agent, you gain access to an expert insurance professional who can customize coverages to your unique needs and budget. Our agents act as your personal advocate, simplifying complex home insurance terminology, and ensuring you get the right coverage.
Cost and time savings
You'll save time when our agents compare multiple homeowners insurance quotes at different carriers for you. They'll also find you savings you may not get on your own.
Local knowledge
Our local insurance agents understand regional factors that can affect your home insurance needs. Worried about hurricanes, wildfires, or floods? They'll help make sure you're covered.
One-stop shopping
Have a car or other insurance needs too? Our agents can quote from multiple insurance carriers for your home insurance, and your car, and any other insurance needs. Bundling your home and auto insurance may even get you additional savings.
Peace of mind
Having a trusted advisor for your home insurance needs provides peace of mind, knowing you have someone to turn to for guidance. They'll also periodically review your coverages and help you adjust them overtime as your needs change.
Does home insurance cost more with an agent?
Using an agent to shop for homeowners insurance doesn't cost extra. In fact, our agents will try to find you the best coverage at the lowest price that works for your budget.
Homeowners insurance costs tend to be more dependent on a few key factors including location, size, and how much coverage you think you need. Average home insurance rates vary regionally.
Our insurance agents will meet with you to learn more about your residence and assess your needs. We will always aim to get you the right match for your needs at the best price possible.
Which home insurance offers the best value for me?
Local, licensed Comparion agents can quote with many reputable insurance companies to help you find the right homeowners insurance policy with the best value by comparing coverages, deductibles, and more.
FAQs about home insurance
Homeowners insurance typically includes coverage for destruction or damage due to natural disasters, fire, wind, hail, hurricanes, vandalism, and theft. The following insurance coverage typically comes standard with homeowners policies:
- Dwelling
- Personal Property Coverage
- Personal Liability and Medical Payment to Others
- Additional Living Expense/Loss of Rent
While Dwelling refers to the physical structure of your home, Personal Property Coverage refers to the cash value of covered personal property that may need replacement after a covered loss. Common items included are furniture, electronics, and valuables up to a certain amount.
Home insurance is required when you have a mortgage. If you do not have a mortgage, home insurance is typically not required, however it is strongly recommended to protect your home (most people's largest asset) with homeowners' insurance.
The age and size of the home, rebuild cost, location, which deductible you select, and claims history are all important factors.
For a primary and secondary residence, personal property is covered. We recommend having personal property replacement cost coverage to ensure your personal property is insured at today's value versus a depreciated value. There are special limits for high-value items such as jewelry, firearms, rugs, cameras, and more. Your agent can help you schedule your high-value items.
- This will depend on if the home is your primary, seasonal, or rental property. The coverages most important on a home policy are:
- Dwelling with extended replacement cost coverage to rebuild the home.
- Personal Property with replacement cost to ensure your personal property is replaced at today's value versus a depreciated value. Depending on your needs, there are additional endorsement options to discuss with a Comparion agent.
Proper flood or earthquake coverage can be provided by connecting with your agent. Many insurance companies specialize in these policies. Your agent's expertise will help you obtain the right coverage.
Increase your deductible, install a reporting alarm system, replace your roof, make sure you're covered properly and paying for what you need.