Home Insurance Quotes

Your home is your most valuable investment so use HomeInsuranceKing.com to help you shop homeowners insurance quotes in your area. We provide great home insurance companies and top-notch customer service to help you find the coverage you need at the price you want to pay. Comparing quotes for your home is easy, simply enter your zip code to get started.

Shopping and comparing multiple online home insurance quotes can be overwhelming and discouraging. With HomeInsuranceKing.com, your zip code narrows down the options so you are working with the best carriers that can provide the most competitive rates in your city. Not all home insurance companies can write insurance business in your area. And if carriers are available, they may or may not be competitive enough in terms of premium cost or the right coverage that you need to protect your home and family.

Home Insurance Quotes By State

All of the home insurance companies that are available have competitve rates to provide the best price and coverage for your home. It's important to realize that getting a quote from one company really depends on the home insurance companies market and the liability of risk. If you want great quotes, then you need to take advantage of home insurance discounts so you get better coverage at an affordable price. How do you do this? Well, it's easy, first, make sure you have all the information available about your home, like the year your home was built, it's size in terms of square footage, and of course any additional information that you may have about the security and safety of your home. For example, do you have a security alarm? Or a smoke detector in every room of your house? Do you live near a fire extinguisher and are you close to a fire hydrant. The are important factors about your home that help limit the risk of any time of fire or burglary.

When shopping for homeowners insurance you should be aware of the various types of insurance policies that are available.

• HO-3: The HO-3 is considered to be the most common type of home insurance policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded and require a separate policy for additional coverage.
• H0-6: The HO-6 policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
• HO-4: If you are a renter, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels than the standard HO-3 policy. And an HO-5 policy is a high-end policy that offers increased protection.