"Alex is amazing, always very prompt in his responses and answering any questions we have! He made getting homeowners insurance completely painless."
— Zachary & Kristen Michnick
Homeowners Insurance
Your Home Deserves
Real Protection.
RightQuote shops 20+ A-rated carriers to find the right homeowners policy for your property, your budget, and your peace of mind.
Dwelling & Personal PropertyIndependent & Unbiased20+ A-Rated Carriers
What's Covered
More than just four walls
A standard homeowners policy covers far more than the structure itself. Here's what a solid HO-3 policy protects.
Dwelling Coverage
Covers the structure of your home — walls, roof, floors, and built-in appliances — against fire, wind, hail, and other covered perils.
Personal Property
Protects your furniture, electronics, clothing, and valuables against theft, fire, and covered perils — both inside and away from home.
Liability Protection
Covers legal costs and damages if someone is injured on your property or you accidentally damage someone else's property.
Loss of Use
Pays for temporary housing and living expenses if your home becomes uninhabitable due to a covered loss like fire or water damage.
Other Structures
Covers detached garages, fences, sheds, and other structures on your property that aren't attached to your main dwelling.
Medical Payments
Covers minor medical bills for guests injured on your property, regardless of fault — a goodwill coverage that avoids small claims.
Why RightQuote
Independent agent vs. captive agent
We shop the whole market so you get the best homeowners policy for your situation.
FeatureRightQuoteCaptive Agent
Multiple carrier quotes
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Unbiased coverage advice
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Bundle with auto for discounts
High-value home options
varies
Scheduled endorsements
varies
Annual policy review
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Licensed in 46 states
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Customer Stories
Real homeowners. Real savings.
"Alex was great to work with. He found me a homeowners policy that covered everything I needed at a price that fit my budget. Highly recommend."
— Rafael Cintron
"He is very kind and knows how to approach different sensitive topics. He is also available whenever I call him and responsive to call backs and emails. 10/10 recommend!"
— Marissa Stringer
FAQ
Homeowners insurance questions answered
Further Reading
Homeowners Insurance Guides
Protect your home today.
Get a free homeowners insurance quote in minutes. We shop 20+ carriers so you don't have to.