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Top providers we compare: Allstate, Liberty Mutual, Progressive and 20 more.
Types of home insurance
Homeowners insurance
Homeowners insurance is a type of property insurance that provides financial protection for your home and personal belongings in case of damage, theft, or certain disasters.
It typically covers the structure of your home, personal property inside the home, liability for injuries that occur on your property, and additional living expenses if your home becomes uninhabitable due to a covered event.
Renters insurance
Renters insurance is a policy that protects your personal belongings—like furniture, clothes, and electronics—if they’re damaged, stolen, or destroyed while you’re renting a home or apartment. It can also cover liability if someone gets hurt in your space.
While landlords cover the building, your personal property is your responsibility. That’s where renters insurance comes in.
Common hazards covered by homeowners insurance include:
Fire
Windstorm
Hail
Lightning
Vandalism
Note, most standard policies do not cover flood or earthquake damage, which may require separate policies.
Standard homeowner insurance policies also typically cover water damage from plumbing issues, appliances, water heater, and heating or cooling systems. Some policies include loss-of-use coverage, which helps with temporary housing and living expenses if you’re unable to live in your home during repairs.
When shopping for homeowners insurance, it’s important to compare quotes from different providers to find the best coverage at the most competitive price. Premiums can vary based on factors like your home’s location, age, construction type, and your personal claims history. By understanding what homeowner’s insurance covers and how it protects you, you can make informed decisions and ensure your home and finances are secure.
Be protected from the unexpected
At Finhabits, our goal is to help you manage, protect, and grow your personal wealth. That means accounting for unforeseen circumstances, from market fluctuations to life-changing events like natural disasters or burglaries.
Without homeowners or renters insurance, you could be on the hook for thousands of dollars in repairs, lost property, and even medical bills. Home insurance helps cover those unexpected costs, saving you from financial stress or even bankruptcy.
Use our free and trusted comparison tool to explore rates from multiple top-rated providers—no phone calls or paperwork required.
How it works
Tell us about your home
Zip code, home type, a few additional details
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View competitive offers instantly
Pick the best plan
Lock in savings and get covered in minutes
Do I need home insurance?
The short answer is: yes!
Your home is likely one of your biggest investments. Whether you own a home or rent, you need home insurance to protect your property, belongings, and finances.
Most mortgage lenders require home insurance as a loan condition, making it an absolute must-have unless you’re paying cash for your home purchase.
While homeowners insurance is a vital part of homeownership, it doesn’t have to break the bank. Use our home insurance comparison tool to find affordable coverage that fits your needs.
Compare quotes from top providers
and get peace of mind knowing your home is protected from life’s unexpected events.
How to save on home insurance
Worried about home insurance costs? Here are five smart and easy ways to save without sacrificing your peace of mind.
1. Compare multiple quotes
Don’t settle for the first offer. Use our comparison tool to view personalized rates from trusted home insurance companies in one place.
2. Bundle your policies
Many insurers offer discounts when you bundle your home and auto insurance together.
3. Increase your deductible
Choosing a higher deductible can lower your monthly premium—just make sure you can afford the out-of-pocket cost if you file a claim.
4. Install safety features
Adding smoke detectors, burglar alarms, or a smart home security system can qualify you for discounts.
5. Maintain a good credit score
Insurers often use credit-based insurance scores to determine your rate, so good credit can lead to better pricing.
Using our home insurance comparison tool is the first step to finding affordable, reliable coverage.
Whether you’re buying a new home or just want to reduce your current premium, compare quotes today and discover how much you could save. It’s fast, free, and 100% online.
Is home insurance legally required in my state?
In most U.S. states, home insurance is not legally required—but if you’re financing your home with a mortgage (as most of us are), your lender will likely require you to carry a homeowners insurance policy. Why? Because it protects their investment and your home from damage, theft, or liability. Even if you’ve already paid off your home, having insurance is still a smart move, especially for Latino homeowners looking to protect generational wealth and family stability.
We make it easy to compare home insurance options in your state with our free comparison tool. Review trusted insurance providers, check coverage options, and choose what’s best for your family in minutes.
Why choose Finhabits?
At Finhabits, we believe smart financial decisions start at home. Protecting your home isn’t just about peace of mind—it’s about securing your biggest investment. And when you can save on insurance while doing it, that’s even smarter. We’re here to help you protect what matters most while building a stronger financial future.
Compare real-time quotes from trusted home insurers.
Customize coverage to fit your home's needs.
Compare real-time quotes from trusted home insurers.
Customize coverage to fit your home's needs.
No fees. No commitment. Just the right coverage at the right price.
Fast, secure, and 100% online.
No fees. No commitment. Just the right coverage at the right price.
No fees. No commitment. Just the right coverage at the right price.
Frequently Asked Questions
Home insurance generally covers your home’s structure, personal belongings, liability for injuries or damages, and additional living expenses if you’re temporarily unable to live in your home.
Evaluate the cost to rebuild your home with similar materials and quality. Consider factors such as local construction costs, home features, and labor.
Liability coverage protects you financially if someone is injured on your property or if you accidentally damage someone else’s property.