Tell us about your home.
Give us your address and a few basics. It takes a couple of minutes.
HOME + AUTO. HANDLED.
Homeowners Insurance, Done Fast
We compare multiple top carriers for you, bundle your home and auto, and take care of the switch. One call, one agent, done.
- Quotes from multiple carriers in one place
- Bundle home + auto for one simple setup
- We work with your mortgage company for you
How It Works
We shop the carriers.
Your agent compares coverage from multiple insurance companies and brings you the best fit.
We handle the switch.
We send your new policy to your mortgage company and help you cancel the old one, so there's no gap in coverage.
One Agent. One Bundle. Less Hassle.
Keep your home and auto together with one agent who knows your whole setup. Bundling can unlock multi-policy discounts with many carriers, makes renewals simpler, and helps you avoid coverage gaps between policies.
Already insured with us for auto? Add your home in one call.
Coverage Built Around Your Home
Dwelling
What it means: Repairs or rebuilds your house after a covered loss.
Example: A kitchen fire damages your cabinets and walls.
Other Structures
What it means: Covers detached garages, fences, and sheds.
Example: A windstorm knocks down your backyard fence.
Personal Property
What it means: Covers your stuff: furniture, electronics, clothes.
Example: Someone breaks in and takes your TV and laptop.
Liability
What it means: Protects you if someone gets hurt or you damage their property.
Example: A guest slips on your steps and breaks a wrist.
Medical Payments
What it means: Pays small medical bills for guests hurt at your home.
Example: A neighbor's kid gets hurt in your yard.
Loss of Use
What it means: Covers hotel, meals, and extra costs if you can't live at home.
Example: A covered fire forces you out during repairs.
Coverage depends on the policy and carrier. Your agent will go over what's included.
Know the Gaps, Then Close Them
Usually not covered by a standard policy
- Floods
- Earthquakes
- Normal wear and tear or lack of maintenance
- Sewer or drain backup (unless you add it)
- Business run out of your home
Add-ons your agent can quote
- Flood insurance — Flooding can happen outside high-risk zones too
- Earthquake insurance — Important for California homeowners
- Water backup — Covers sewer, drain, and sump pump backups
- Scheduled valuables — Jewelry, art, and collectibles beyond normal limits
- Umbrella liability — Extra liability protection on top of home and auto
- Replacement cost on belongings — Get paid what it costs to buy new, not depreciated value
Homes We Cover
Have These Ready and You're Done Fast
- Property address
- Date of birth for everyone on the policy
- When you want coverage to start
- Year built and approximate square footage
- Roof age (if you know it)
- Current insurance company (if you have one)
- Mortgage company name (if you have one)
- Safety features: alarms, smoke detectors, deadbolts
Step 1 of 2 · Your contact details
Got it.
A licensed agent will reach out shortly. Need help now? Call us at (844) 369-7722.
We Shop. You Relax.
Multiple carriers, one agent
We're a brokerage, so we compare options instead of selling just one company.
Fast
Most quotes are done in one conversation.
Bundled
Home, auto, and SR-22 all in one place.
We handle the paperwork
We work with your lender and escrow and help you cancel the old policy.
Real people
Licensed agents you can call, not a chatbot maze.
Every renewal
We review your coverage each year so it keeps up with your home's value.
Homeowners Insurance FAQs
State law doesn't require it, but if you have a mortgage your lender almost always does. Even if your home is paid off, it protects what's usually your biggest investment.
Usually just a few minutes once we have your address and some basics about your home. Your agent shops the carriers and gets back to you fast.
Yes. Bundling keeps everything with one agent, simplifies renewals, and can qualify you for multi-policy discounts with many carriers.
Yes. We send proof of coverage to your lender, set up escrow billing if you need it, and help you cancel your old policy so there's no gap.
Your location, what it would cost to rebuild your home, roof age and condition, your claim history, safety features, and the deductible you choose.
Usually not. Both are separate policies or add-ons. Your agent can quote them along with your home policy.
Replacement cost is what it takes to rebuild your home with today's labor and materials. Market value is what the home would sell for. Your dwelling coverage should be based on replacement cost.
Many policies expect you to insure your home for at least 80% of its replacement cost. If you insure for less, a claim may not be paid in full. Your agent will help you set the right amount.
Some carriers do a quick exterior inspection (roof, yard, outside of the house) to confirm the home's condition. You usually don't need to be home.
At least once a year, and any time you remodel, make a big purchase, or have a major life change.
Your Home. Your Auto. One Fast Call.
Get a homeowners quote from multiple carriers, bundled your way.
Coverage, discounts, and availability vary by carrier and state and are subject to underwriting approval. This page is a general description of coverage, not a contract. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Best Buy Insurance is a licensed insurance agency. License #[LICENSE NUMBER].