Insurance › Home Owners
Compare, Choose & Save Big on Home Owners Insurance Now!!
Insure your home with the best coverage plans at unbeatable prices.
- Replacement-cost coverage explained
- Flood and earthquake add-ons available
- Bundle with auto for max savings
Insurance Made Simpler
A home is not just a pile of bricks and mortar; it's filled with memories and reflects who you are. So, when you face a claim, you deserve more than just a payment from your insurer.
We help you choose coverage levels that match your home's replacement cost (not just its market value) and walk you through the major endorsements — water backup, ordinance and law, scheduled personal property — so you know exactly what you're covered for.
Top Home Owners Insurance Plans Compared
Sample plans curated for illustration — submit a quote to see live pricing in your area.
Allstate
4.3
Standard Auto
No contract
- Roadside assistance included
- Accident forgiveness
- Safe driver discounts
Geico
4.5
Liability Plus
No contract
- 24/7 claims service
- Multi-policy discount available
- Mobile app for everything
Progressive
4.4
Name Your Price
No contract
- Snapshot discount program
- Bundle home + auto savings
- Online policy management
Most Trusted Platform To Find The Right Insurance!!
Comparison Junction is fully independent. We don't favour any single carrier and we don't add markup. Our licensed advisors normalise quotes against the coverage you already carry so the comparison is genuinely apples-to-apples.
From the first quote through binding and renewal, we monitor the market so you stay on a policy that fits both your home and your budget.
Understanding Replacement Cost Coverage
Replacement cost is what it would cost to rebuild your home from scratch at today's construction prices — labour, materials, permits and code upgrades. It is almost always different from market value, and your dwelling limit should match replacement cost so you can fully rebuild after a total loss.
Many policies also include an extended-replacement-cost endorsement that adds a 25–50% cushion if rebuild costs spike (for example after a region-wide disaster). Ask about it when you quote — it is often inexpensive and worth carrying.
How Can I Choose The Right Home Owners Insurance Using Comparison Junction?
Assess Your Home's Needs
Walk through what you actually need to protect — the structure, your belongings, and your liability if someone is injured on the property.
- Evaluate Your Property — square footage, year built, roof age and major systems all drive the rebuild cost.
- Liability Coverage — pick a limit that matches your exposure, especially if you have a pool, dog, or host guests often.
- Personal Belongings — inventory the high-value items and decide whether you need scheduled endorsements for jewellery, art, or collectibles.
Start By Getting Quotes
Submit a single profile and we pull quotes from multiple licensed carriers in your state at the same time, with the same coverage levels applied to each.
Compare Coverage Options
- Dwelling Coverage — pays to repair or rebuild the structure.
- Personal Property Damage — covers your belongings against named perils.
- Liability Coverage — handles claims if someone is injured on your property.
- Additional Living Expenses — covers hotel, meals and storage if your home is uninhabitable during a covered repair.
- Optional Add-Ons — water backup, ordinance and law, scheduled property, identity theft and more.
Compare Premium Costs
Look at the annual premium and the deductible together. A slightly higher deductible often shaves 15–25% off the premium with little real-world downside.
Check Insurer Reputation
Read claim-time reviews and verify the carrier's AM Best financial strength rating. A-rated or better is the standard we recommend.
Understand Policy Exclusions
Standard policies exclude flood and earthquake. If you need either, plan to buy a separate policy or rider — we surface those options at quote time.
Look For Discounts
Bundling with auto, monitored alarm systems, claim-free history, paid-in-full and new-roof credits can all add up. Make sure every applicable discount is applied.
Seek Advice From Our Comparison Experts
Our licensed advisors are available by phone or chat if you want a human to walk you through coverage trade-offs — at no cost to you.
Finalize Your Decision
Once you pick a policy, we coordinate binding, payment and any inspections directly with the carrier so you can get back to the rest of your day.
How It Works
- 1
Tell Us About Your Home
Address, year built, square footage, and major systems — what carriers need to underwrite.
- 2
Pick Coverage Levels
Dwelling, personal property, liability, deductible — our advisors guide you to the right limits.
- 3
Compare Carriers
Multiple licensed carriers quoted side-by-side with bundle discount applied where eligible.
- 4
Bind & Schedule Inspection
Most policies bind the same day. Some carriers schedule an inspection within 30 days.
Frequently Asked Questions
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Disclaimer: All trademarks remain the property of their respective owners, and are used by Comparison Junction only to describe products and services offered by each respective trademark holder. All trademarks remain the property of their respective owners and are used solely to describe products and services offered by their respective trademark holders. Comparison Junction may receive compensation from providers for qualified enrollments or completed services. Savings and availability vary based on market conditions, provider availability, customer usage, and geographic location.