{"id":25,"date":"2020-04-14T16:08:15","date_gmt":"2020-04-14T21:08:15","guid":{"rendered":"http:\/\/guaranteedrate.wpengine.com\/?page_id=25"},"modified":"2025-10-17T17:16:41","modified_gmt":"2025-10-17T22:16:41","slug":"home-insurance","status":"publish","type":"page","link":"https:\/\/www.rate.com\/insurance\/home-insurance\/","title":{"rendered":"Homeowners Insurance"},"content":{"rendered":"\t<div class=\"wp-block block-hero hero-v2 hero-swiper hero-refresh \">\n        <div class=\"row align-items-center\">\n\t\t\t<div class=\"col-lg-6 col-xl-5 order-2\">\n                <div class=\"caption-overlay text-center text-lg-left\">\n\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"title-hero\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<small>Homeowners Insurance<\/small>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tSkip the hassle of shopping around for insurance\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hero-copy lead\">\n\t\t\t\t\t\t\tGet home insurance quotes from over 100 top carriers\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/quote.rateins.com\/\"  target=\"_blank\" class=\"btn btn-lg btn-primary\">\n\t\t\t\t\t\t\t\tGet Your Free Quote\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n                            <div class=\"col-lg-6\">\n                    <div class=\"swiper swiper-hero\">\n                        <div class=\"swiper-wrapper\">\n                                                                    <picture class=\"hero-img swiper-slide\">\n                                            <source data-srcset=\"\">\n                                            <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2023\/07\/GR-Insurance-Campaign-Images-Home-2.jpg\" class=\"img-fluid lazyload\" alt=\"\">\n                                        <\/picture>\n                                                                    <picture class=\"hero-img swiper-slide\">\n                                            <source data-srcset=\"\">\n                                            <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2023\/07\/GR-Insurance-Campaign-Images-Hard-to-Insure-2.jpg\" class=\"img-fluid lazyload\" alt=\"\">\n                                        <\/picture>\n                                                                    <picture class=\"hero-img swiper-slide\">\n                                            <source data-srcset=\"\">\n                                            <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2023\/07\/GR-Insurance-Campaign-Images-Hard-to-Insure-1.jpg\" class=\"img-fluid lazyload\" alt=\"\">\n                                        <\/picture>\n                                                                    <picture class=\"hero-img swiper-slide\">\n                                            <source data-srcset=\"\">\n                                            <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2023\/07\/GR-Insurance-Campaign-Images-Home-1.jpg\" class=\"img-fluid lazyload\" alt=\"\">\n                                        <\/picture>\n                                                    <\/div>\n                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n\n\t<div class=\"wp-block block-logos bg-200\">\n        <div class=\"container\">\n            <div class=\"content-logos\">\n                                    <h2 class=\"title-block mb-1 mb-md-0\">\n                        Compare rates from all the carriers you know &amp; trust                    <\/h2>\n                                <ul class=\"list-unstyled list-logos row mb-0  justify-content-between\">\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/allstate@2x.png\" width=\"102\" height=\"23\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/lemonade@2x.png\" width=\"127\" height=\"30\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/progressive@2x.png\" width=\"165\" height=\"20\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/travelers@2x-v2.png\" width=\"155\" height=\"45.5\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/nationwide@2x.png\" width=\"66\" height=\"70\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/aig@2x.png\" width=\"89\" height=\"48\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/hippo@2x.png\" width=\"130\" height=\"40\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                    <\/ul>\n                                    <ol class=\"list-unstyled list-steps row\">\n                                                        <li class=\"col-md-4\">\n                                    <div class=\"item-step bg-white text-center\">\n                                        <h3 class=\"item-title\">Share a few details<\/h3>\n                                        <p>Tell us a bit about your home and coverage needs using our short online form or by giving us a call. No complicated paperwork required.<\/p>\n                                    <\/div>\n                                <\/li>\n                                                        <li class=\"col-md-4\">\n                                    <div class=\"item-step bg-white text-center\">\n                                        <h3 class=\"item-title\">We&#8217;ll shop top carriers for you<\/h3>\n                                        <p>Our independent agents compare rates and coverage from multiple trusted insurance companies so you get the best options available.<\/p>\n                                    <\/div>\n                                <\/li>\n                                                        <li class=\"col-md-4\">\n                                    <div class=\"item-step bg-white text-center\">\n                                        <h3 class=\"item-title\">Review &amp; select your coverage<\/h3>\n                                        <p>We present you with personalized quotes, answer your questions, and help you start your policy when you\u2019re ready.<\/p>\n                                    <\/div>\n                                <\/li>\n                                            <\/ol>\n                                                    <div class=\"lead text-center\">\n                        <p><strong>It&#8217;s that easy with Rate Insurance!<\/strong><\/p>\n                    <\/div>\n                            <\/div>\n        <\/div>\n\t<\/div>\n\n\n\n\t<div class=\"wp-block block-testimonials v2\">\n        <div class=\"container\">\n                            <div class=\"title-block\">\n                    <h2 style=\"text-align: center\"><span class=\"text-brand-base\">4.9 stars<\/span><br \/>\nrating from 5k+ Google verified reviews<\/h2>\n                <\/div>\n                        <p style=\"text-align: center\">We\u2019ve helped thousands find the perfect insurance and we\u2019d like to help you too.<\/p>\n            <div class=\"v2-swiper-wrapper\">\n                <div class=\"static-testimonials swiper-testimonials-v2\">\n                    <ul class=\"list-unstyled list-quotes\">\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Our team was amazing, everyone was willing to go the extra mile for us\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>We had many questions and need a lot of guidance through the process. Our team was amazing, everyone was willing to go the extra mile for us. We always had an answer to our questions and were provided with all the tools necessary to make the right choice.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Katherine L                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">The whole process has been extremely easy\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>First time home buyer, and the whole process has been extremely easy for me with your help.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Clark R                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Great rate. Wonderful customer service\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>Great rate. Wonderful customer service. Answer all my questions expeditiously especially since I am purchasing property out of state. Highly recommended. Everything done over the computer and phone with my information secure. Thank you.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Elaine W                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t<\/ul>\n                <\/div>\n                \n                            <\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\t<div class=\"wp-block block-columns container \">\n\t\t            <header class=\"header-section \">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t<h2 style=\"text-align: center\">What does a home insurance policy cover?<\/h2>\n\t\t\t\t<\/div>\n            <\/header>\n\t\t\t\t\t\t\t<div class=\"row mx-md-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tDwelling\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Covers damage to the structure of your home, including your roof, foundation, built-in appliances, cabinets, and any attached structures.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tOther structures\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Covers damage to detached structures on your property, like your garage, shed, above-ground pool, or fence.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tPersonal property\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Covers the cost of damaged or stolen personal belongings, including clothing, jewelry, and electronics.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tAdditional living expenses\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Covers the costs of hotel stays and restaurant meals if your home is being repaired or rebuilt after a covered event, like a fire.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tPersonal liability\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Covers legal and medical expenses if you or a family member are held liable for injury or property damage to others (like if your dog bites a neighbor).<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-4\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tMedical payments\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Covers medical bills if a guest is injured on your property.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<div class=\"wp-block block-cta-simple mb-7 container \">\n\t\t<div class=\"row\">\n            <div class=\"col-lg-10 mx-lg-auto\">\n                <h2 style=\"text-align: center;\">You could save up to 20% on your insurance by bundling<\/h2>\n<p style=\"text-align: center;\">Save with a multi-policy discount when combining auto, home, renters and condo insurance.<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"text-center mt-3\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/quote.rateins.com\/\" class=\"btn btn-lg btn-primary\"  target=\"_blank\">Get Your Free Quote<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n<div class=\"container wp-block block-related-posts\">\n                <aside class=\"post-aside post-tags text-xs \">\n                                    <h2 class=\"title-related\">Related Posts<\/h2>\n                                <ul class=\"list-unstyled row\">\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-5140 post type-post status-publish format-standard has-post-thumbnail hentry category-home tag-home-insurance\" id=\"post-5140\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/07\/Blog-Single@2x-519x330.jpg\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/home\/\" rel=\"category tag\">Home<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/homeowners-insurance-101\/\" rel=\"bookmark\" class=\"text-dark\">Homeowners Insurance 101:  FAQS<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>The Definitive Guide to Homeowners Insurance. Learn more and get your home insured.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/homeowners-insurance-101\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Homeowners Insurance 101:  FAQS<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-9885 post type-post status-publish format-standard has-post-thumbnail hentry category-home tag-home-insurance\" id=\"post-9885\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/08\/Blog-Graphic-1027-x-441-52-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/home\/\" rel=\"category tag\">Home<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/how-much-should-i-spend-on-homeowners-insurance\/\" rel=\"bookmark\" class=\"text-dark\">How Much Should Homeowners Insurance Cost?<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>With so many variables in play, it makes sense that people wonder how much homeowners insurance should cost. There are ways to make it more affordable\u2014such as bundling your policies or increasing your deductible\u2014but before you change carriers to get a lower rate, make sure that you are making an apples-to-apples comparison.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/how-much-should-i-spend-on-homeowners-insurance\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about How Much Should Homeowners Insurance Cost?<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-9479 post type-post status-publish format-standard has-post-thumbnail hentry category-home tag-home-insurance\" id=\"post-9479\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/05\/CTA-Banner-Pet-37-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/home\/\" rel=\"category tag\">Home<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/homeowners-insurance-tax-deductible\/\" rel=\"bookmark\" class=\"text-dark\">Is homeowners insurance tax deductible?\u00a0<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Are homeowners insurance premium payments tax deductible? Join us as we review situations where your insurance can get you a tax break.\u00a0<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/homeowners-insurance-tax-deductible\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Is homeowners insurance tax deductible?\u00a0<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                                        <\/ul>\n            <\/aside>\n            <\/div>","protected":false},"excerpt":{"rendered":"<p>Something quick about home insurance acus vel augue laoreet rutrum faucibus.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"class_list":["post-25","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How much homeowners insurance coverage do I need? | Rate.com<\/title>\n<meta name=\"description\" content=\"Protect your home. 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