Best Home Insurance Quotes — Compare Rates & Coverage Options

PROPERTY INSURANCE QUOTES IN MINUTES

Compare Home, Rental & Property Insurance Quotes Online — Fast, Accurate & Free

Protect your house, condo, rental or small business property with the right insurance — without overpaying. Enter your ZIP code to compare real offers from licensed U.S. insurers that serve your address and see how much you could save on coverage in 2025.

✔ Homeowners insurance for single-family homes
✔ Condo & townhome insurance
✔ Renters and landlord policies
✔ Vacation / second home & investment property
✔ Small business & commercial property coverage
✔ Optional wind, hurricane & flood protection (where available)

Secure, private & no-obligation. Comparing multiple insurers helps you find a better deal.

Start with your ZIP code

Tell us where your property is located. We’ll match you with licensed insurers and agents that can offer quotes for your area.

Your information is encrypted in transit and never sold as bulk marketing lists.

Why homeowners & property owners choose HouseInsurance.io

We built HouseInsurance.io as a simple, honest way to shop for home and property insurance online. No confusing jargon, no pushy sales — just clear options from trusted companies.

Built for U.S. property owners

Whether you own a house in Florida, a condo in New York or a rental property in Texas, our quote flow is designed around real U.S. homeowners, landlords and small business owners.

Compare, don’t guess

One company almost never has the best price for everyone. We help you compare offers from multiple insurers so you can see different deductibles, coverage levels and discounts side-by-side.

Licensed experts on your side

Quotes are provided by licensed insurance carriers and agents. When you’re ready to finalize a policy, you’ll talk to a real professional — not a bot — who can answer questions about coverage.

Transparent, human language

We explain deductibles, replacement cost, liability and other key terms in plain English so you can make a confident decision about your property insurance.

Focused on value, not just price

Our goal is to help you protect what you’ve built. We highlight coverage that’s most important for your state — for example, wind and hurricane risks on the coast or snow and ice damage up north.

Works on any device

The quote wizard is optimized for phones, tablets and laptops so you can check property insurance prices from your couch, truck or office in just a few minutes.

Coverage we can help you find

HouseInsurance.io helps you explore insurance options for most types of residential and small commercial property in all 50 U.S. states.

Homeowners insurance

Protects your house, attached structures and personal belongings from covered events like fire, theft, storms and certain types of water damage. Includes personal liability coverage.

Condo & townhome insurance

Designed for unit owners whose association covers the building shell. Helps protect your interior, improvements, possessions and liability.

Renters insurance

Affordable protection for renters’ belongings plus liability coverage if someone is injured in your home or you accidentally damage someone else’s property.

Landlord & rental property

Coverage for dwellings you rent out to others — from single units to small multi-family properties. Can include loss of rent if the property becomes uninhabitable after a covered claim.

Vacation & second homes

Insurance for properties you don’t live in full-time, including cabins, lake houses and short-term rental homes used on platforms like Airbnb and Vrbo.

Small business & commercial property

Protection for offices, shops, warehouses and other commercial buildings, often combined with general liability as part of a Business Owners Policy (BOP).

State-specific options: in many coastal and high-risk areas, additional coverage such as standalone wind, hurricane or flood insurance may be recommended or required by your lender. Our partners can review these options with you.

How HouseInsurance.io works

Tell us about your property

Start with your ZIP code, property type, year built, roof age and approximate square footage. These details help insurers estimate risk and pricing for your location.

Review quote options

Licensed insurers and agents that serve your ZIP code can prepare quotes based on the information you provide. You can compare coverage limits, deductibles and discounts before choosing a policy.

Talk to a real person & finalize

When you’re ready, you’ll speak with a licensed professional to answer questions, adjust coverage and activate your property insurance. In many cases you can receive proof of insurance the same day.

Start my property insurance quote

Takes just a few minutes. No commitment to buy until you’re ready.

Made for real people, not just algorithms

Clear language

We avoid scare tactics and fine print. Our pages are written the way we’d explain coverage to family or friends — focusing on what actually matters when something goes wrong.

Local insight

Different states face different risks. From hurricanes in Florida to hail in Texas or snow and ice in the Midwest, our partners understand local requirements and lender guidelines.

Respect for your time

You don’t have to fill out endless forms for every company. Share your information once through HouseInsurance.io and let licensed insurers do the heavy lifting.

Frequently asked questions

Is HouseInsurance.io an insurance company?

HouseInsurance.io is an online comparison and connection platform. We work with licensed insurance carriers and agents who are able to provide quotes, answer questions and issue policies. Our role is to help you quickly find and compare options in one place.

Does it cost anything to use HouseInsurance.io?

No. Using HouseInsurance.io to compare property insurance options is free for consumers. You only pay for an insurance policy if you choose to purchase coverage from a provider.

Will I be contacted after I request quotes?

Yes. Because property insurance pricing depends on details that can’t always be captured online, licensed agents or carriers may contact you by phone, text or email to confirm information and personalize your quote. You can tell them how you prefer to communicate.

Can you help with all 50 U.S. states?

HouseInsurance.io is built to support property owners across the United States. Availability of specific insurers and coverages may vary by state, but our goal is to connect you with options wherever your property is located.

What if I already have property insurance?

That’s okay. Many homeowners use HouseInsurance.io at renewal time to double-check that they’re still getting a competitive rate or to explore better coverage. Comparing prices will not change your current policy until you actively switch.

How is my information protected?

We use secure, encrypted connections when transmitting your data. We do not sell your information as generic marketing lists. Your details are only shared with insurance providers who need them to prepare accurate property insurance quotes.