Homeowners
Tell us about your house and how it is built, and a licensed representative prepares homeowners quotes from the carriers they work with, side by side in your portal.
Licensed · Independent · No obligation · Nothing bound or charged until you choose
What the coverages mean
Rebuilds or repairs the house itself after a covered loss: fire, wind, hail, lightning, and the other perils the policy names.
The amount should reflect the cost to rebuild, not the market price or the mortgage; your representative confirms it with the carrier.
A detached garage, fence, shed or driveway.
Usually a percentage of the dwelling amount, adjustable if you have more than the usual.
What is inside: furniture, clothes, electronics, tools.
Replacement cost pays to buy new; actual cash value deducts for age. Ask which the quote carries.
Hotel and meals if a covered loss makes the house unlivable while it is repaired.
The part people forget until they need it.
If someone is hurt on your property or you are held responsible for damage, this pays the claim and the defence.
Most policies start at $100,000; many households carry $300,000 or more.
Not part of a standard homeowners policy. Quoted separately through the National Flood Insurance Program or a private carrier.
Water that rises from outside is the most common gap people discover after a loss. Ask for a separate quote if the property is anywhere near a flood zone.
How it works
About five minutes on a phone. Your progress is saved as you go. No Social Security number, licence number or payment is asked for.
A real person, licensed in your state, prepares quote options from the carriers they are appointed with and uploads the carrier documents.
Your quotes land in a private portal where you can compare coverage and deductibles side by side, ask questions, and say which one interests you.
Questions people ask
Your representative works that out with the carrier using its valuation tool and your details. We do not publish a rebuild figure on the website, because a wrong one is worse than none.
No. Standard homeowners policies exclude rising water. If you want flood coverage, say so on the form and your representative quotes it separately.
No. A quote is an estimate prepared from the details you give. The carrier confirms the final rate, coverage and eligibility before any policy is bound, and nothing is charged until you choose to proceed.
The licensed professional assigned to your request quotes the carriers they are appointed with in your state. We name the carrier on every quote we send you.
The representative assigned to your request and the agency that supervises them. It is not sold or shared for marketing.
Also from For The People
A quote is an estimate prepared from the details you give. The carrier confirms the rebuild value, the final rate and eligibility before any policy is bound. Flood is never included in a standard homeowners policy.
