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Home Insurance

Protect what matters most.

Replacement-cost coverage from carriers rated A or higher by AM Best. Bundle with auto and save up to 25%.

Get home quote See coverage options
Home by the numbers

Smarter coverage, smarter price.

25%
Avg bundle savings
40+
Home carriers
A+
AM Best minimum
5min
Avg quote time
Coverage options

Comprehensive home protection.

✓ Dwelling & Structure

Rebuild your home from the foundation up — including detached structures like garages and sheds.

✓ Personal Property

Replacement-cost coverage on furniture, electronics and belongings. Even when away from home.

✓ Liability

Up to $1M of liability protection if someone is injured on your property or you cause damage to others.

✓ Loss of Use

Pays for hotels, meals and temporary housing if your home becomes uninhabitable after a covered loss.

✓ Flood & Earthquake

Add-ons for catastrophic risks not covered by standard policies. Required in flood zones.

✓ Bundle + Auto

Combine home and auto and save up to 25%. Manage everything from one Insuregear dashboard.

How it works

Three steps. Real coverage.

1

Tell us about your home

Address, year built, square footage. We pull public records to prefill most fields.

2

We shop 40+ carriers

Real-time rates from Travelers, Allstate, Liberty Mutual, Lemonade, State Farm and more.

3

Bind in minutes

E-sign your policy. Mortgage company gets the binder automatically.

Home FAQ

Common questions.

Will my mortgage company accept Insuregear?
Yes — every carrier we work with is rated A or higher by AM Best, which exceeds every major mortgage lender's requirement. We send the binder to your lender automatically.
What's the difference between actual cash value and replacement cost?
Replacement cost rebuilds your home and replaces belongings at today's prices. Actual cash value subtracts depreciation. We default to replacement cost — it's almost always worth it.
Is flood damage covered?
Standard home policies do NOT cover flood. We add NFIP or private flood policies as a separate quote when you're in a flood zone.
How much can I save by bundling?
Most members save 15–25% on both policies. We auto-detect the discount and apply it to your bundle quote.
Do you cover condos, townhomes and mobile homes?
Yes — including HO-6 condo policies, townhome master/walls-in coverage, and manufactured-home (mobile) policies.

Smarter home coverage starts here.

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