What is HouseInsurance.io?
HouseInsurance.io is a free online insurance comparison platform that helps homeowners, condo owners, renters, landlords, and property investors find real property insurance options based on their ZIP code. The service matches users with licensed U.S. insurance providers who can offer accurate quotes and coverage information for their location.
How does HouseInsurance.io work?
You enter your ZIP code, provide basic property information, and the system instantly identifies licensed insurers who operate in your specific area. Because insurance pricing and availability vary by state and local risk zones, location-based matching ensures each result is relevant and accurate.
Is HouseInsurance.io free to use?
Yes. The platform is completely free. You never pay for quotes, access, or communication. HouseInsurance.io is compensated by licensed insurance partners only when users choose to speak with them, which keeps results unbiased and transparent.
Do I get real home insurance quotes?
Yes. After you enter your information, licensed insurers may reach out with real pricing, coverage options, discounts, and policy recommendations based on your home, ZIP code, and risk profile. Quotes are always provided by authorized professionals.
What types of property insurance can I compare?
You can compare multiple insurance types, including:
• Homeowners insurance (HO-3)
• Condo insurance (HO-6)
• Renters insurance
• Landlord / rental property insurance (DP-3)
• Mobile & manufactured home insurance
• Flood insurance (NFIP + private flood)
• Commercial property insurance
• Optional add-ons (water backup, liability, sinkhole, umbrella, replacement cost, etc.)
Does homeowners insurance include flood coverage?
No. Standard homeowners insurance does not cover flood damage. Flood insurance must be purchased separately through NFIP or a private flood provider. If your ZIP code is located in a flood-risk area, available flood options will appear during matching.
Why are home insurance rates higher in Florida, Texas, California, and coastal states?
Home insurance prices increase in high-risk regions due to hurricanes, windstorms, flooding, wildfires, rising construction costs, and high claim volume. ZIP-code-based underwriting allows insurers to calculate risk more accurately, which is why entering your exact location is essential.
How can I lower my home insurance premium?
You may qualify for lower rates by having:
• a new or updated roof
• wind-mitigation features
• impact windows or hurricane shutters
• updated electrical/plumbing systems
• a monitored alarm system
• home + auto bundle discounts
• a higher deductible
Comparing multiple insurers is one of the fastest ways to reduce your premium.
Is my personal information secure?
Yes. All data is encrypted and securely transmitted. Your information is only shared with licensed insurers who can offer real property insurance coverage in your area. It is never sold to unrelated marketing companies or third-party advertisers.
Will insurers contact me after I submit my information?
You may be contacted by one or more licensed insurance providers that serve your ZIP code. You can compare offers, ask questions, or decline the communication at any time. You are never obligated to purchase a policy.
Can I compare insurance for a property I don’t live in?
Yes. HouseInsurance.io supports insurance matching for rental properties, secondary homes, investment homes, and vacant homes. Insurance requirements differ depending on occupancy, and landlords often need DP-3 or rental-property policies.
Does homeowners insurance cover hurricane damage?
Most home insurance policies include coverage for wind damage from hurricanes, but storm-surge flooding is excluded. Many coastal states also have special hurricane or windstorm deductibles. Always review your policy or speak with insurers to understand your limits.
What information do I need to get matched with insurance providers?
You usually need your ZIP code, property type, year built, roof type/age, occupancy status (owner, tenant, vacant), construction materials, and basic home details. More accurate information results in more accurate quotes.
How long does the process take?
Most users receive insurance matches within seconds. Licensed insurers may reach out shortly afterward with personalized coverage options, discounts, and pricing.
Does HouseInsurance.io recommend specific insurance companies?
No. Results are based purely on your ZIP code, property type, and coverage needs. HouseInsurance.io does not promote or prioritize any specific insurer, ensuring an independent and unbiased comparison experience.
Can renters use HouseInsurance.io?
Yes. Renters insurance is inexpensive and protects your belongings, liability, and temporary living expenses. The platform can match renters with providers offering affordable coverage in their area.
Can HouseInsurance.io help with flood or hurricane-risk properties?
Yes. In flood-prone or hurricane-exposed states, you may see additional options for windstorm coverage, private flood insurance, NFIP policies, and supplemental protection. Availability depends on your ZIP code.
What happens after I receive my insurance matches?
You can compare, request more information, or wait for insurers to contact you. If you decide to move forward, you will speak directly with a licensed agent who can finalize your quote. You are never required to buy anything.