{"id":324203,"date":"2025-11-07T22:46:12","date_gmt":"2025-11-08T03:46:12","guid":{"rendered":"http:\/\/staging.reviews.com\/?page_id=36101"},"modified":"2025-11-07T22:46:12","modified_gmt":"2025-11-08T03:46:12","slug":"quotes","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/","title":{"rendered":"Homeowners Insurance Quotes"},"content":{"rendered":"\n    <script src=\"\/\/insurance.mediaalpha.com\/js\/serve.js\"><\/script>\n\n                                \n                            \n<script>\n\n    \/\/ Flag used to automatically load results if zipcode is present in URL\n    var loadResults = '' ? true : false;\n    var urlParams = [];\n    var correlationId = \"c9205bde-70f4-4a85-a3c2-9464439242ba\";\n    var MediaAlphaExchange = {\n        data: {\n            zip: '',\n        },\n        placement_id: 'pjupmtaof_ACbRgYZJyMuXUMfFoyiA',\n        sub_1: '',           \/\/split for not exceeding 64 char limit MA API\n        sub_2: '',\n        sub_3: `${correlationId}`,\n        version: '17',\n    };\n<\/script>\n\n\n<div class=\"serviceability-check-hero\">\n    <div class=\"content\">\n            <script>\n    var insuranceType = 'home';\n<\/script>\n\n<div class=\"content__wrapper\">\n    <div class=\"serviceability-check-hero__container serviceability-check-hero__container--home \" >\n                <div class=\"insurance-widget__advertising-disclosure-container\">\n\t<span class=\"insurance-widget__advertising-disclosure-heading\">Advertising Disclosure<\/span>\n\t<span class=\"insurance-widget__advertising-disclosure-tooltip\">\n\t\tThis advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a\n\t\tcorporate affiliate of Reviews. The offers and clickable links that appear on this advertisement are from\n\t\tcompanies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors,\n\t\tsuch as your location, may impact what ads and links appear, and how, where, and in what order they appear.\n\t\tWhile we seek to provide a wide range of offers, we do not include every product or service that may be\n\t\tavailable to you as a consumer. We strive to keep our information accurate and up-to-date, but some information\n\t\tmay not be current. Your actual offer terms from an advertiser may be different than the offer terms on this\n\t\twidget. All offers may be subject to additional terms and conditions of the advertiser.\n\t<\/span>\n<\/div>               \t<div class=\"serviceability-check-hero__reviews-logo\">\n            <img decoding=\"async\" class=\"lazyload\" data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/yoga-logo.png\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\" alt=\"yoga-logo\" \/>\n\t    <\/div>\n                <div class=\"serviceability-check-hero__header-home\">\n            Find the right fit\n        <\/div>  \n                <div class=\"serviceability-check-hero__form-group\">\n            <div class=\"serviceability-check-hero__radio-group\">\n                <label class=\"serviceability-check-hero__radio-group-label\">Currently insured?<\/label>\n                <div class=\"serviceability-check-hero__radio-group-input\" >\n                    <input id=\"radio-insured-yes\" type=\"radio\" name=\"currently_insured\" value=\"1\" checked >\n                    <label for=\"radio-insured-yes\" class=\"serviceability-check-hero__radio-input serviceability-check-hero1__radio-input-left\">Yes<\/label>\n                    <input id=\"radio-insured-no\" type=\"radio\" name=\"currently_insured\" value=\"0\"  >\n                    <label for=\"radio-insured-no\" class=\"serviceability-check-hero__radio-input serviceability-check-hero1__radio-input-right\">No<\/label>\n                <\/div>\n            <\/div>\n            <div class=\"serviceability-check-hero__zip-group\">\n                <label class=\"serviceability-check-hero__zip-label\">Zipcode<\/label>\n                <input id=\"serviceability-check-input\" class=\"serviceability-check-hero__zip-inputs\" type=\"text\" placeholder=\"Enter zipcode\" value=\"\" data-tag=\"fieldInput\"data-tag-field-type=\"INPUT\"data-tag-form-type=\"ZIPFORM\"data-tag-form-name=\"SERVICEABILITY\"\/>\n            <\/div>\n            <div class=\"serviceability-check-hero__home-button\">\n                <button id=\"serviceability-check-submit\" class=\"reviews-btn--primary\" data-tag=\"formSubmit\"data-tag-location=\"ZIPFORM\"data-tag-text=\"Compare Rates\"data-tag-outbound-url=\"{{current_url}}\">Compare Rates<\/button>\n            <\/div>           \n        <\/div>\n        <div class=\"insurance-widget__powered-by-and-insurance-disclosure\">\n            <h5 class=\"insurance-widget__powered-by\">Powered by HomeInsurance.com (NPN: 8781838)<\/h5>             <div class=\"insurance-widget__insurance-disclosure-container\">\n  <span class=\"insurance-widget__insurance-disclosure-heading\">Insurance Disclosure<\/span>\n  <span class=\"insurance-widget__insurance-disclosure-tooltip\">\n    This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate\n    of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance\n    coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the\n    terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums,\n    commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The\n    information on this site does not modify any insurance policy terms in any way.\n  <\/span>\n<\/div>        <\/div>\n    <\/div>\n     <p id=\"serviceability-check-error-message\" class=\"serviceability-check-hero__error-message\">Please enter a valid zip code<\/p>\n<\/div>          <\/div>\n    <div id=\"partner-grid\" class=\"partner-grid\" data-tag=\"productList\"data-tag-category='Home or Renters'>\n    <div class=\"partner-grid__results-info\">\n        <p id=\"partner-grid-number\" class=\"partner-grid__number\"><\/p>\n        <button id=\"update-information\"\n            class=\"partner-grid__hide-results\"\n            aria-expanded=\"true\"\n            aria-controls=\"partner-grid-results\">Update Information\n        <\/button>\n        <button id=\"show-results\"\n            class=\"partner-grid__show-results\"\n            aria-expanded=\"false\"\n            aria-controls=\"partner-grid-results\">Show Results\n        <\/button>\n    <\/div>\n    <ul id=\"partner-grid-results\" class=\"partner-grid__results result--featured\"><\/ul>\n<\/div>\n<\/div>\n\n\n\n\n<p><strong>Why do you need my ZIP code?<\/strong><\/p>\n\n\n\n<p>Insurers price risk by \u201cterritory,\u201d often built from ZIP codes or clusters, because losses vary locally with catastrophe exposure, crime, building codes, and rebuild costs. That\u2019s why quoting with your ZIP code quickly surfaces which companies will write your address and at what price. Regulators are adding guardrails on models and data\u2014state regulators adopted an <a href=\"https:\/\/content.naic.org\">NAIC model bulletin on AI\/model governance<\/a>\u2014while some states are also enabling more risk\u2011reflective pricing. For example, California\u2019s 2024 reforms allow admitted insurers to use forward\u2011looking catastrophe models and reflect certain reinsurance costs in homeowner rate filings, tightening alignment between rates and location\u2011specific wildfire and other hazards (<a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/200-catastrophe-susins\/\">California Department of Insurance<\/a>). Flood insurance is an exception: FEMA\u2019s <a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\">Risk Rating 2.0<\/a> prices NFIP coverage using parcel\u2011level factors (distance to water, elevation, home replacement cost), so ZIP code plays a smaller direct role for NFIP premiums.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comparing Homeowners Insurance Quotes<\/h2>\n\n\n\n<p>Searching for the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\" class=\"achor-toggles\">best cheap homeowners insurance<\/a> policy is easier when you know what\u2019s driving today\u2019s prices. Premiums have climbed sharply\u2014government data show the CPI for tenants\u2019 and household insurance posted around 20% year\u2011over\u2011year increases at multiple points in 2024 (<a href=\"https:\/\/data.bls.gov\/timeseries\/CUUR0000SEHK\">BLS CPI series<\/a>), and independent trackers report continued increases into 2025 (<a href=\"https:\/\/www.policygenius.com\">Policygenius Home Insurance Pricing Report<\/a>). Key cost drivers cited by industry sources include higher catastrophe losses, inflation in construction\/labor and materials, and elevated reinsurance and capital costs (<a href=\"https:\/\/www.iii.org\/article\/why-are-homeowners-insurance-rates-rising\">Insurance Information Institute<\/a>). While reinsurance markets stabilized at the January 1, 2025 renewals, pricing remains disciplined and elevated in high\u2011risk areas (<a href=\"https:\/\/www.gallagherre.com\/insights\/1st-view-january-2025\">Gallagher Re 1\/1\/2025 review<\/a>). Because each insurer weighs address, construction, roof details, credit\u2011based insurance information (where permitted), and prior claims differently, quotes can vary by hundreds of dollars for the same limits. Compare identical coverages and deductibles from at least three to five carriers, and pay close attention to roof coverage terms, wind\/hail or hurricane deductibles, and water backup endorsements. The cost of <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/about\/\" class=\"achor-toggles\">homeowners insurance<\/a> ultimately reflects these variables at your specific property.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"type\">Factors That Affect Homeowners Insurance Prices<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Home Type<\/h3>\n\n\n\n<p>Construction details materially affect premiums. Rating plans distinguish frame vs. masonry construction, roof type\/material, roof shape, and square footage because these features change expected losses, especially in wind and hail. Resilient standards such as <a href=\"https:\/\/ibhs.org\/fortified\/\">IBHS FORTIFIED<\/a> Roof\/Home can reduce losses and may qualify for credits where filed. In hail\u2011prone states, impact\u2011resistant (UL 2218 Class 4) roofs often earn discounts; the Texas Department of Insurance explicitly notes that impact\u2011resistant roofs can lower insurance costs (and that some policies include cosmetic damage exclusions\u2014know the trade\u2011offs) (<a href=\"https:\/\/www.tdi.texas.gov\">TDI guidance<\/a>). The <a href=\"https:\/\/www.iii.org\/article\/what-determines-the-cost-of-your-homeowners-insurance\">Insurance Information Institute<\/a> summarizes these construction and location factors commonly used in pricing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"age\">Home Age<\/h3>\n\n\n\n<p>Older homes typically cost more to insure due to aging plumbing and wiring, and especially older roofs. In hail and wind corridors, many carriers apply roof depreciation schedules or actual cash value (ACV) settlements on older roofs, which can change both price and claim outcomes. Recent catastrophe experience has reinforced this focus: severe convective storms (hail, straight\u2011line winds, tornadoes) have accounted for a historically large share of insured losses in recent years (<a href=\"https:\/\/www.swissre.com\">Swiss Re Institute<\/a>). By contrast, newer construction and recent system updates (roof, wiring, plumbing, HVAC) frequently qualify for pricing credits where filed; ask your insurer what documentation is required (permits, invoices, or certifications). NAIC\u2019s consumer guide lists common discounts tied to new homes and updated systems (<a href=\"https:\/\/content.naic.org\">NAIC guide<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"location\">Home Location<\/h3>\n\n\n\n<p>Location is one of the strongest predictors of homeowner losses. The U.S. set a record with 28 separate billion\u2011dollar weather and climate disasters in 2023, and 2024 again reached a record number of such events by September (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>). This elevated hazard environment\u2014wildfire in the wildland\u2011urban interface, hurricane wind and surge on the coasts, and hail\/convective storms across the central and southern U.S.\u2014drives higher base rates and peril\u2011specific deductibles in risk\u2011exposed ZIP codes. Some regulators are updating how location risk is reflected: California\u2019s 2024 Sustainable Insurance Strategy allows admitted insurers to incorporate forward\u2011looking catastrophe models and certain reinsurance costs in filings, which can increase differentiation between higher\u2011 and lower\u2011risk micro\u2011areas while pairing it with mitigation incentives (<a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/200-catastrophe-susins\/\">CDI Sustainable Insurance Strategy<\/a>). Proximity to fire services and water supply (often measured via Public Protection Class) also affects price, and for flood specifically the NFIP now uses property\u2011level pricing under <a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\">Risk Rating 2.0<\/a>, reducing the role of broad zones or ZIP averages.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"scores\">Individual Credit and Insurance Scores<\/h3>\n\n\n\n<p>In many states, homeowners insurers consider a credit\u2011based insurance score alongside other rating factors because it correlates with claim risk. Rules vary by state; some jurisdictions restrict or prohibit certain uses, and consumers have rights to notices and exceptions. See the <a href=\"https:\/\/content.naic.org\">NAIC\u2019s consumer guidance<\/a> for how these scores work and your rights (including extraordinary life circumstances exceptions in many states). As an example of state variation, California prohibits the use of credit information in personal auto insurance pricing under Proposition 103 (<a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/105-type\/95-guides\/01-auto\/HowAutoInsurersDetermineRates.cfm\">California DOI<\/a>); homeowners rules differ by state, so verify your state\u2019s standards. Regulators also adopted new governance expectations for models and external data in 2024, which increases scrutiny of geographic and credit\u2011related variables to prevent unfair discrimination (<a href=\"https:\/\/content.naic.org\">NAIC AI\/model bulletin<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Other Factors<\/h3>\n\n\n\n<p>Claim history, liability exposures (e.g., pools, trampolines, certain dog breeds), coverage limits, and deductibles all influence price. You may want to check with an insurance agent to see <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\" class=\"achor-toggles\">what a basic homeowners policy will cover<\/a> and whether you need endorsements (e.g., water backup, ordinance or law). To find the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\" class=\"achor-toggles\">best home insurance<\/a> for your budget, focus on discounts that reflect measurable risk reduction: California requires premium reductions for specified wildfire hardening actions under <a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/200-wrr\/your-safer-from-wildfires\/\">Safer from Wildfires<\/a>; Florida law mandates actuarially reasonable windstorm mitigation credits (documented via inspection) (<a href=\"http:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&#038;URL=0600-0699\/0627\/Sections\/0627.0629.html\">Fla. Stat. \u00a7 627.0629<\/a>); many hail\u2011belt states recognize <a href=\"https:\/\/www.tdi.texas.gov\">impact\u2011resistant (Class 4) roofs<\/a>; and verified <a href=\"https:\/\/ibhs.org\/fortified\/\">IBHS FORTIFIED<\/a> upgrades can earn credits in multiple states. These modern, verified mitigation credits are often more substantial than legacy \u201cdevice\u201d discounts; still, protective features like monitored smoke\/burglar alarms, water leak sensors\/shutoff, sprinklers, and deadbolts commonly qualify for smaller credits and should be reviewed at each renewal (<a href=\"https:\/\/www.iii.org\/article\/how-can-i-lower-my-homeowners-insurance-costs\">Insurance Information Institute<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC<\/a>). Market context matters too: higher catastrophe losses and reinsurance costs have contributed to premium increases in recent years (<a href=\"https:\/\/www.iii.org\/article\/why-are-homeowners-insurance-rates-rising\">Triple\u2011I explainer<\/a>), and while reinsurance pricing stabilized at 1\/1\/2025 it remains elevated in high\u2011risk geographies (<a href=\"https:\/\/www.gallagherre.com\/insights\/1st-view-january-2025\">Gallagher Re<\/a>). Some insurers also offer value\u2011added loss\u2011prevention programs (for example, State Farm\u2019s Ting electrical fire hazard monitoring for eligible policyholders) that can reduce losses and may pair with credits where filed (<a href=\"https:\/\/newsroom.statefarm.com\/ting\/\">State Farm Ting<\/a>).<\/p>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Why do you need my ZIP code? Insurers price risk by \u201cterritory,\u201d often built from ZIP codes or clusters, because losses vary locally with catastrophe exposure, crime, building codes, and rebuild costs. That\u2019s why quoting with your ZIP code quickly surfaces which companies will write your address and at what price. Regulators are adding guardrails [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":0,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-quotes.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Homeowners Insurance Quotes - Reviews.com<\/title>\n<meta name=\"description\" content=\"A guide to Homeowners Insurance Quotes\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Homeowners Insurance Quotes - Reviews.com\" \/>\n<meta property=\"og:description\" content=\"A guide to Homeowners Insurance Quotes\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Homeowners\",\"item\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Homeowners Insurance Quotes\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Homeowners Insurance Quotes - 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