Top 6 Sites to Compare Best Homeowners Insurance Quotes & Rates Online | 2017 Ranking & Reviews

2017 RANKING & REVIEWS
TOP RANKING HOMEOWNERS INSURANCE QUOTES ONLINE

Finding the Best Homeowners Insurance Quotes Online

Homeowners without a mortgage payment are not legally required to carry homeowners insurance — though without coverage, unforeseen events like floods or fires can be truly devastating.

Finding an affordable and effective homeowners insurance quote is becoming increasingly important. In 2014, 5.3% of insured homes filed at least one claim, with property damage accounting for a whopping 97.3%.

If you’re looking for a great homeowners insurance quote in 2017, the good news is that there are plenty of providers to choose from.

Award Emblem: Top 6 Sites to Compare Best Homeowners Insurance Quotes

Of course, it can be challenging to find the best homeowners insurance rates when there are so many available options, ranging all the way from local to national insurance providers.

One of the best ways to find your next homeowners insurance quote is to use sites that offer free online homeowners insurance quotes and a detailed homeowners insurance quotes comparison.

In fact, the Insurance Information Institute recommends getting at least three instant homeowners insurance quotes before committing to a policy.

Looking at homeowners insurance quotes online to find the best homeowners insurance rates is a great way to narrow down the best homeowners insurance for you.

In order to help homeowners identify the best homeowners insurance rates, our review will look at the top sites to use when looking for a homeowners insurance quote.

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AdvisoryHQ’s List of the Top 6 Best Homeowners Insurance Quote Sites

List is sorted alphabetically (click any of the website names below to go directly to the detailed review section for that website):

• Allstate
• Amica
• Insurance.com
• NetQuote
• Progressive
• QuoteWizard

Top 6 Best Homeowners Insurance Quotes Online | Brief Comparison & Ranking

Table: Top 6 Best Homeowners Insurance Quote Sites | Above list is sorted alphabetically

Factors That Affect the Cost of Homeowners Insurance

When it comes to online homeowners insurance quotes, insurance providers base pricing on a set of varying factors.

Before getting a homeowners insurance quote, it’s important to understand which factors will influence the overall cost of homeowners insurance rates.

Features & Characteristics

This includes age, type of home, electrical wiring, or even the status of the roof and the garage.

As a rule, older homes tend to have higher homeowners insurance rates, so a homeowners insurance quotes comparison is especially important.

Location

Many homeowners insurance rates will vary depending upon how home location affects risk.

For example, homes located in areas of extreme weather conditions — like hurricanes, tornadoes, or floods — are likely to have higher online homeowners insurance quotes.

Home Protection

Installing home protection can be costly, but it can also lower homeowners insurance rates. Burglary alarms, security cameras, smoke detectors, and sprinkler systems can make instant homeowners insurance quotes cheaper.

Credit Score

Having a good credit history is a great way to get better homeowners insurance quotes online.

Just as with a traditional credit score evaluation, a home insurance score evaluation uses perceived risk as a marker for homeowners insurance ratings.

Claims History

Homeowners that routinely file home insurance claims might find it difficult to get the best homeowners insurance rates.

Another consideration to take when looking for homeowners insurance quotes online is that the deductible will also alter a homeowners insurance quote. The best homeowners insurance rates might come with a higher deductible, though this means homeowners will pay more out-of-pocket should an accident occur.

Additional Considerations Before Getting a Homeowners Insurance Quote

Although homeowners insurance is a great asset, there are limitations for each and every plan. Finding the best homeowners insurance online quote also means deciding between a comprehensive or a basic insurance plan.

There are certain situations that fall outside basic homeowners insurance ratings. For those who are looking to compare homeowners insurance rates, it may be worthwhile to consider the following extraneous situations:

Flooding

Even the best homeowners insurance rates may not cover weather-related flooding. Instead, most will include coverage for any flooding caused through home-related issues, like burst or broken plumbing.

Earthquakes, Landslides, & Sinkholes

Damage caused by these types of earth movement is typically not covered under a basic homeowners insurance quote. Certain states are exceptions to this rule, like Florida homeowners insurance quotes.

Florida homeowners insurance quotes are mandated to have sinkhole coverage, though any other earth movement damage must be purchased separately.

Wind Damage

Homeowners insurance quotes online are unlikely to include wind damage protection, particularly for those living in hurricane-prone areas.

As a result, getting an accurate homeowners insurance online quote will involve taking additional wind damage insurance into consideration.

Maintenance Neglect

Even the best homeowners insurance rates come with the assumption that the homeowner will be diligent in their home maintenance.

Thus, there are a few maintenance-related problems that may not be covered by a standard homeowners insurance quote, including burst pipes, sewer issues, mold, termites, or ordinance changes.

AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?

Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.

Detailed Review – Top Ranking Best Sites for Homeowners Insurance Quotes Online

Below, please find a detailed review of each website on our list of sites to compare homeowners insurance rates. We have highlighted some of the factors that allowed these homeowners insurance quote sites to score so highly in our selection ranking.

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Allstate Review

For a quick homeowners insurance quotes comparison for local rates, Allstate is a great place to start. The website is optimized to focus on local agents and providers, eliminating the hassle of narrowing down to a city-specific search.

Photo courtesy of: Allstate

Getting homeowners insurance quotes online through Allstate is an accurate and simple process. Allstate uses public records to provide a homeowners insurance quote, meaning that users enter less information about their home in comparison to other sites.

Allstate makes getting the best homeowners insurance rates into a personalized process, providing pictures and contact information for local agents on each page. Users can choose to call or email agents within their area for more information.

As an additional benefit, a homeowners insurance quote through Allstate could potentially come with a number of discounts ranging between 10-20%.

Their focus on providing the most affordable and best homeowners insurance rates through a convenient process makes Allstate a great choice for a local homeowners insurance quotes comparison.         

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Amica Review

Recently, a survey conducted by J.D. Power and Associates found that Amica had the highest overall customer satisfaction ratings out of thirty insurance providers.

Part of this high satisfaction stems from their decision to provide homeowners insurance quotes online directly to homeowners, rather than through agents.

For some, avoiding agents and the ability to purchase homeowners insurance directly through the website may be a great benefit to finding the best homeowners insurance rates through Amica.

Photo courtesy of: Amica

Where Amica shines is not through the process of obtaining a homeowners insurance quote, but for the product itself. A basic homeowners policy through Amica includes coverage for:

• Damage from fire, smoke, theft, or vandalism
• Unauthorized use of credit cards
• Detached garage or shed
• Living expenses due to damage
• Incidents away from home (such as stolen property from hotels)

Additional protection is available as an add-on, though the standard homeowners insurance quote certainly involves more services than most.

Amica’s basic homeowners insurance online quote is one of the most comprehensive on our list, making it a great option for those who prefer to be prepared for a variety of situations.

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Insurance.com Review

Insurance.com works directly with top insurance carriers in the nation to provide affordable auto, life, health, and homeowners insurance quotes online.

For homeowners looking for a quick and easy way to make a homeowners insurance quotes comparison, Insurance.com is a great site to visit.

Photo courtesy of: Insurance.com

A great aspect of Insurance.com is that users can see a brief snapshot of the top insurance carriers with very little effort. Simply enter your zip code, decide whether you would like to bundle your auto insurance, and begin comparing the best homeowners insurance rates.

Insurance.com will display 2-3 of the top lenders, both locally and nationally. Bullet points underneath each insurance provider show an overview of what each basic policy entails, creating a brief homeowners insurance quotes comparison.

Although the site itself will not show specific pricing, its worth comes through its ability to display fast, brief overviews for the best homeowners insurance rates.

For Florida homeowners insurance quotes, Insurance.com may be particularly valuable, as they provide valuable information on bundling home and auto insurance in Florida.

For those who value speed and direction in their searches, Insurance.com is a great site to use for quick research into a homeowners insurance quote.

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NetQuote Review

As an online insurance marketplace, NetQuote has connected over 25 million users to health, life, business, auto, rental, and free homeowners insurance quotes. Their goal is to allow users to compare homeowners insurance rates through a simple, effective, and — most importantly — free process.

Photo courtesy of: NetQuote

Users simply need to fill out a quick form to get free homeowners insurance quotes from nationwide insurance companies. NetQuote will then provide the best homeowners insurance rates and match users with qualified insurance agents.

Agents can be contacted via email, fax, or phone to help users compare homeowners insurance rates and terms from various providers.

NetQuote stands out for its ease of use and supplemental materials. Rather than act as a simple search engine for free homeowners insurance quotes, it allows homeowners to compare the best homeowners insurance rates on their own or with help from an agent.

The website also provides additional insurance resources for those looking to learn more about homeowners insurance, including links to state-specific insurance regulations. For those looking for the best homeowners insurance quotes comparison, NetQuote is a dynamic option.

Progressive Review

Progressive is one of the biggest insurance providers across the nation, making it a dependable option for homeowners insurance quotes online.

Photo courtesy of: Progressive

Compared to other websites that offer instant homeowners insurance quotes, Progressive provides one of the most comprehensive estimates. Users are prompted to include weather-related additions (like flood or earthquake insurance), and even insurance for stolen or damaged personal belongings.

As an additional benefit, a homeowners insurance quote through Progressive includes coverage for hotel stays and meals for severe instances of damage.

For homeowners who insure their vehicles through Progressive, the best homeowners insurance rates may come from bundling the two together.

While Progressive only shows homeowners insurance quotes directly from their services, the website is certainly a worthwhile tool to use when looking for the best homeowners insurance rates.

Not only does Progressive offer a comprehensive homeowners insurance quote, but the website also makes it simple to bundle auto and homeowners insurance together. For homeowners looking to save money over time, this is an important feature.  

QuoteWizard Review

As one of the fastest growing companies in Washington, QuoteWizard is actively working to make finding the best homeowners insurance quotes comparison into an easy and efficient process.

Although they have strong local ties, their services can be used nationwide for homeowners insurance quotes online.

Photo courtesy of: QuoteWizard

QuoteWizard sources the best homeowners insurance rates by asking users to fill out a quick survey about their home. Homeowners are asked to input their zip code, year the house was built, and square footage. Afterward, the site will generate up to four homeowners insurance ratings for users to compare.

What makes QuoteWizard a top-rated site is that it encourages users to combine their homeowners insurance quote with their auto insurance. Bundling auto and homeowners insurance together can save money over time, so the best homeowners insurance quotes online should offer easy bundling.

They also provide a number of expert articles and guides on the process of finding the best homeowners insurance rates, with categories spanning from Risks & Rate Factors to Buyer’s Guide & Discounts.

Not only does QuoteWizard provide a comprehensive homeowners insurance quotes comparison, but it also has valuable educational tools for homeowners to make informed financial decisions about their insurance.

Conclusion – Top 6 Sites for the Best Homeowners Insurance Rates

Having a home is certainly an important investment, and it only makes sense to have a safety net in place. Thus, finding the best homeowners insurance rates is a great way to ensure that protecting your investments stays as affordable and as efficient as possible.

Image Source: Pexels

Whether you decide to focus on a preferred insurance provider or shop around for a homeowners insurance quotes comparison, sites that provide homeowners insurance quotes online are valuable tools for any homeowner to use.

While homeowners insurance may not be able to prevent damage from occurring, it can certainly ease the process and relieve the financial burden of repair and recovery.

Finding the best homeowners insurance rates can provide essential guidance and support when the unexpected occurs, and homeowners insurance quotes comparison sites can help identify the best safety net for your assets.