Compare Home Insurance Options With Licensed Agents

No. SmartHomeInsure is a referral service. It is not an insurance company, broker, or licensed agent, and it does not provide quotes, underwrite policies, or make coverage decisions. When you submit the form you may be connected with a licensed insurance agent who can review home insurance options with you.

A standard homeowners policy typically covers the structure, your belongings, personal liability, and extra living costs after a covered loss. Our guide to what homeowners insurance covers explains each part.

Standard policies commonly exclude flood and earthquake damage and may limit sewer backup or high-value items. Our guide to what homeowners insurance covers lists common exclusions.

Replacement cost coverage pays to repair or replace damaged property without subtracting for depreciation, up to your policy limits. Actual cash value coverage pays the depreciated value of the item at the time of loss. The choice can significantly change what you receive after a claim.

Insurers typically consider the home’s location, age, size, construction, and roof condition, your coverage limits and deductible, claims history, and in many states a credit-based insurance score. Rates are set by each insurer, not by SmartHomeInsure.

Some insurers offer discounts for devices such as monitored alarms or water-leak sensors, but availability varies by insurer and state. Our guide to smart home technology and home insurance explains what to ask.

Yes, agents in our network can discuss coverage for single-family homes, condos, townhomes, and mobile homes. Condo owners and mobile home owners generally need different policy types than owners of a detached home. Our guide to condo and townhome insurance explains how an HO-6 policy works with the association’s coverage.

No. Submitting your information and speaking with a licensed agent is free and carries no obligation to buy. SmartHomeInsure may receive compensation from its agent and provider partners for referrals.