Cover your home for less, in one phone call.
Two quick questions about your home and we match you with a licensed agent who quotes your exact address. No forms, no email, no spam.
Free · 60 seconds · no email
✓ Pre-qualified
Re-shopped & saved
The right coverage to keep moving forward
Bundle savings
10-25%
Cities covered
25
Customers
5k+
Avg. call
~6 min
Pre-qualify
Two questions. That's all.
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What type of home do you live in?
Carriers price these very differently — it's the biggest single factor.
This questionnaire is a routing tool, not an application or an offer of insurance. It does not produce a quote, and answering it does not bind, alter, or guarantee coverage. Rates and eligibility are determined by the insurer after a licensed agent reviews your property and history. Savings are not guaranteed and vary by property, coverage, and carrier.
Feel in control, keep peace of mind
Lower your rates
Re-shop your policy against carriers that price your roof and ZIP more favourably.
Compare carriers
One call, quotes from multiple insurers at the same limits — real apples-to-apples pricing.
Buyer binders
Closing soon? Get the binder your lender needs, priced right, with no coverage gaps.
Renewal review
Premium jumped? A 15-minute review shows whether to negotiate, adjust, or switch.
Bundle home & auto
Multi-policy discounts commonly cut 10-25% off the home premium and help on auto too.
Homeowners across the country trust us
→ Get your quote“Our renewal jumped almost $600 and I assumed that was just Atlanta now. One call and they found the same coverage, same deductible, for less than we paid two years ago.”
Danielle R.
Kirkwood
“First house, two weeks to closing, no idea what a binder was. They handled the lender paperwork the same afternoon.”
Marcus T.
West End
“Two carriers turned down our 1920s house before we called. They knew exactly which insurers actually write older Savannah homes, and the quote came back lower than what we had been paying.”
Elaine P.
Ardsley Park
Supported states
Where we can help
Georgia
~$1,700
avg / year
Spring hail and wind drive most Georgia claims, and roof age is the single biggest premium lever.
Top peril: Spring hail
View 9 cities →
Texas
~$3,900
avg / year
Hail, Gulf wind, and hard freezes all price into Texas rates, and roof age is the lever carriers weigh most.
Top peril: Hail
View 8 cities →
Tennessee
~$3,000
avg / year
Tornadoes and hail drive Tennessee claims, with wildfire in the east and New Madrid quake exposure in the west.
Top peril: Tornadoes
View 8 cities →
What a standard policy typically covers
Most homeowners policies are written against a named list of causes of loss. These are the ones that show up on a standard form — grouped the way an adjuster thinks about them, so you can see where your risk actually sits.
Weather
What the sky does to a building.
Non-weather
Damage caused by people or vehicles.
Accidental direct physical loss
Things that fail inside the house itself.
Typical coverage only, not a guarantee. Named perils, limits, and exclusions vary by policy form, carrier, and state — and flood and earthquake are excluded from standard policies everywhere. Check your own declarations page with a licensed agent.
Frequently asked questions
Straight answers about what a policy covers, how carriers price it, and when it is worth re-shopping. If your question is not here, a licensed agent can answer it on the call.
Ready to see your rate in your city?
A licensed agent can compare multiple carriers for your home in one call. Free, fast, and no obligation — Home Insurance Depot works for you, not one insurer.
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