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At Insurdinary, we help people just like you protect their families and futures with home insurance policies. It’s simple: compare quotes from the nation’s top insurers, then customize your coverage to find the perfect fit for your needs and budget.
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Insurdinary: Providing Families with Affordable Homeowners Insurance Policies

Insurance is the best way to protect one of your biggest investments: your home. With an average of one in 20 insured homes filing a claim each year in the U.S., having the right policy and coverage is essential for your peace of mind and financial protection.

However, many families have trouble finding a homeowners policy that’s affordable enough to fit their budget. According to the latest data from a March 2022 study by the National Association of Insurance Commissioners (NAIC), the average cost of home insurance premiums rose by 3.3% between 2017 and 2018 and another 2.2% between 2018 and 2019. Some of the most common factors that affect the cost of premiums include:
  • State and zip code
  • Repair costs
  • Underwriting costs
  • Coverage limits and benefits
  • Age and type of home
  • Your credit score
  • Claim history
  • Deductible amount
So, just how much does homeowners insurance cost? According to data from the NAIC, the average monthly premium of a home insurance policy for an owner-occupied dwelling was $1,272 in 2019. However, remember that these costs vary depending on your location and continue to rise year after year. The most expensive state for home insurance is Louisiana, with an average premium of $2,037, and the least expensive is Oregon, at $727.

At Insurdinary, we understand how challenging it can be for today’s hard-working families to find a suitable home insurance policy that provides enough protection without breaking the bank. That’s why we strive to provide you with an all-in-one solution to find the best coverage at the lowest rates for your home insurance, giving you peace of mind that your home and family have the protection you need without stretching your finances too thin.

How to Find the Best Home Insurance Policy:
3 Simple Steps

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1. Find a Policy

Answer some standard demographic questions, and we’ll provide you with a list of policies that best suit your unique requirements.
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2. Customize Your Coverage

Compare policies and customize your protection based on your needs, such as dwelling coverage, personal property, liability coverage, additional living expenses, and more.
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3. Get Quotes and Apply

Once you compare policies, you’ll get personalized home insurance quotes from relevant leading insurers displayed right on your screen. Pick the policy that suits your needs best and apply!
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How Home InsuranceWorks

A homeowners insurance policy is a form of financial protection you purchase from an insurance company. It’s an agreement: you pay a monthly premium to the insurer, and they will help pay for repairs if a covered event or disaster damages your home. Generally speaking, most people purchase enough coverage to repair their home and replace their belongings, plus additional living expenses.

Home insurance coverage varies, but there are five basic types:
  1. Replacement cost value policies cover the cost of rebuilding your home in its current condition with no adjustment for depreciation.
  2. Actual cash value policies cover replacement costs for your home or property and factors in depreciation.
  3. Modified replacement cost value policies are best suited for older homes and don’t factor in depreciation. Original features will receive a modern replacement.
  4. Guaranteed cost value policies don’t have any monetary limits on replacement costs but may not cover building code upgrades.
  5. Extended cost value policies provide extra coverage above your policy limit as a fixed percentage, typically between 20% and 25%.
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6 Ways to Save Money
On Homeowners Insurance

With inflation and the cost of living rising, finding ways to save money is essential – and that includes your homeowners policy.

Here at Insurdinary, our network of partner insurers is extensive. We comb the most relevant insurance companies, policies, and products to help you find the ideal coverage at the lowest possible price.

We’ll help you find a policy that will meet your needs and still be affordable, and you can use the following tips to help you save even more money on your policy:

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Shop around and compare rates

By shopping around and using Insurdinary to get quotes from multiple insurers, you can be sure that you’re getting the lowest possible rate.

Boost your credit score

Your credit history has a considerable impact on the rate offers you’ll receive from insurers. People with higher credit scores often receive lower rates.

Stack up the discounts

Reduce your monthly premium by seeking out every discount you qualify for, like bundle packages, new construction, claim-free history, auto-pay, and more.

Increase your deductible

A deductible is how much money you’ll have to pay for a covered loss before your insurer kicks in the rest. Generally, raising your deductible will lower your premium.

Improve your home security system

Many insurance companies offer discounts for homeowners who make improvements to their security systems, like burglar alarms, deadbolt locks, and smoke detectors.

Avoid making small claims

Pay out of pocket to repair small or minor damages to your home to prevent the inevitable rate hike that occurs when you file a claim.

What Does a Homeowners Policy Cover?

Generally, a home insurance policy provides financial protection for your home, personal property, and additional living expenses. Most also offer liability protection, structure and personal belonging insurance, as well as additional living expenses.

Home’s Structure and Personal Belongings

If you suffer losses due to an event your home insurance policy covers, your insurer will reimburse you for the cost of rebuilding or fixing the structure of your house or dwelling. They’ll also cover replacement costs for any personal property losses that were in your home during the event.

Liability Protection

Many standard homeowners policies include liability coverage. This coverage pays for expenses if you’re responsible for damaging another’s property or if someone were to suffer an injury while on your property.

Additional Living Expenses

Another standard form of coverage is for additional living expenses. After a covered loss, your insurer will pay for your living expenses, such as hotel and food bills, while your home undergoes repairs.

Choosingthe Right Homeowners Policy: The Basics

If you’re worried about how to choose the right homeowners policy, it’s okay. We know that the process can be confusing, especially if you’re not familiar with the industry jargon and lingo that insurance agents use. However, the first step is understanding just how a standard homeowners policy can protect your house and personal property.
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Do You Need
a Home Insurance Policy?

There are no laws that require you to purchase homeowners insurance after buying a house. That sounds like the perfect opportunity to save money, right? Well, not so fast. For many people, their home is their biggest investment, and a home insurance policy is the best way to protect that investment from unexpected events or damage.

Let’s check out four reasons why investing in a homeowners insurance policy is a wise decision:

Mortgage Companies Require Home Insurance Coverage

Are you like the millions of other hard-working people who don’t have the funds to purchase a house without taking out a mortgage?

Most mortgage companies and banks require you to purchase a home insurance policy if you’re going to finance the cost of your new house. Why? For the same reason: it’s a form of protection.

The bank requires you to buy homeowners coverage to protect their investment against the possibility of events like a natural disaster or fire. Insurance safeguards both you and your lender against financial loss.

Home Insurance Protects Your Home Equity

Your home is one of the largest investments you’ll ever make. By purchasing and maintaining a home insurance policy, you’re not just protecting your house; you’re also protecting its equity.

Equity refers to the total value of your home and property after accounting for its mortgage or other liabilities. If you renovate or improve your home, you increase its value.

With a homeowners policy, you won’t have to rebuild your equity again after suffering a covered loss, providing you with even more financial protection.

You’ll Have Protection and Peace of Mind

One of the best benefits of investing in homeowners insurance is the protection it provides for your house and belongings and the peace of mind that comes along with that knowledge.

Should any unfortunate event happen, such as a fire, burglary, flood, or other loss, you won’t have to worry about coming up with the funds to repair your home or replace your property.

After a covered loss, you’ll only have to pay your deductible. After that, your insurance company takes care of the rest, lifting a huge weight off your shoulders.

Home Insurance Protects You from Lawsuits

Remember the liability coverage that most standard homeowners policies include? Unfortunately, liability doesn’t cover replacement costs for your home or belongings.

Instead, it protects you against the threat of lawsuits and resulting financial damages should someone suffer an injury on your property. According to the Insurance Information Institute, about one in 1,425 home insurance policies have a liability claim related to lawsuits for property damage or bodily injury.

Liability coverage will help pay for property damages, the injured party’s medical bills, and attorney fees associated with a lawsuit and court.

Why Should You Choose Insurdinary for Home Insurance Quotes?

Why go through the process of researching and comparing home insurance quotes alone? Instead, you can trust Insurdinary for expert assistance while you search for the perfect home insurance policy. We’ll help you compare quotes from top insurance companies, making it fast and simple to find comprehensive yet affordable homeowners coverage.
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Compare Multiple Quotes

Don’t waste your time going to each insurance company’s website for a quote and then comparing the information by hand. Let us do the hard work! We’ll provide you with multiple quotes and policy options from the top insurers for a quick and simple side-by-side comparison.
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Find the Lowest Premiums

At Insurdinary, we have a wide range of the best insurance companies in our provider network. By giving you a selection of different insurers, quotes, and coverage options, you can rest easy knowing you’ll be able to find the most coverage at a price that will fit your budget.
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Apply in Minutes

Nobody wants to spend hours applying for home insurance by filling in forms or dealing with piles of paperwork.

With help from Insurdinary, you can compare quotes, choose your ideal policy, and then apply online in minutes with just a few steps. Even better, our service is free to use!

Exploring the Right Homeowners Policy and Coverage for You and Your Family

Purchasing a homeowners policy isn’t as simple as point-and-click. But that doesn’t mean it has to be overly complex or stressful. Instead, sit down and consider all the factors that will affect your coverage needs.

At Insurdinary, we streamline and simplify the process by providing you with multiple policy and coverage options tailored to meet your unique needs and requirements.

We concentrate on your top priorities when compiling your quotes to ensure you get a comprehensive yet affordable policy without any extra or unnecessary coverage. For example, the most common coverage types include:
Personal property
Other structures
Additional living expenses
Medical payments to others
And More...
Many insurance companies offer additional coverage options, such as insurance against floods, water backups, appliance breakdowns, and earthquakes. Insurdinary is here to help you find that balance between coverage and affordability and compare all your options to make the right decision for your home insurance.
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Home Insurance 101: Important Factors and Considerations

Of course, our goal here at Insurdinary is to make the process of purchasing home insurance as straightforward and stress-free as possible. Investing in a homeowners policy is an important decision, and one you should take seriously. Let's break down the most important factors and considerations you need to know when buying home insurance.

Calculating Coverage Needs

Depending on your home, belongings, and lifestyle, a standard homeowners insurance policy may not provide enough coverage to replace your home or belongings after a covered loss. Use the following tips to help you determine how much coverage you should obtain:
  • Calculate how much it would cost to rebuild your home and any other outdoor structures, like fences, garages, or sheds. Multiply the square footage of your house by the average cost of rebuilding per square foot based on your local area.
  • Inventory all your personal belongings and assets. Don’t forget to include collectibles, outdoor items, and belongings with a high value. Provide as much detail as possible, or use a video camera to document your personal property. Include replacement costs for each item so that if you need to file a claim later, you have detailed information to give your insurance company to support your claim.

How Deductibles Works

A deductible is the amount of money that you will pay out of pocket towards replacing an insured loss before your insurance company will step in and cover the rest. In other words, it’s a form of cost-sharing that reduces the risk for you and your insurance company. For a homeowners policy, your deductible can be either a:
  • Specific Dollar Amount: Dollar-amount deductibles are just what they sound like: a set amount of money you’ll pay toward a claim.
  • Percentage-Based: Your insurer will use the overall value of your insured home to base the total percentage of your deductible in the event of a covered loss.

Do You Need an Umbrella Policy?

While most standard home insurance policies include liability protection, you may want to consider opting for a separate policy for additional coverage, known as an umbrella policy. An umbrella policy protects you by providing extra coverage that goes beyond your policy limit.

In the event of a claim, your umbrella coverage would kick in if your liability expenses exceed the amount in your policy. How much you’ll pay for umbrella coverage depends on the amount of underlying home insurance you have and how much of a “risk” you represent to your insurer.

Factors That Impact Policy Costs

One significant factor affecting how much homeowners insurance premiums cost is how likely you are to file a claim. To make that determination, insurers use many factors:
  • Your demographic information and lifestyle
  • Previous home insurance claims
  • The age and condition of your home
  • Your home’s construction, heating type, roof, and building materials
  • Additional risk factors like owning a dog, trampoline, or a pool
  • Your neighborhood crime rate
  • Your credit history
Different insurance companies use different formulas to calculate risk, so always gather quotes from multiple providers to find the best deal.

How to Keep Your Premiums Low

The trick to finding a good home insurance policy is balancing the right amount of coverage with an affordable policy. To get the lowest premium possible, start by comparing quotes from multiple different insurers, which you can do right here on the Insurdinary website.

Once you find the right insurance company and policy, you can cut costs on your premium even more by raising your deductible, bundling your home and auto insurance, and applying for discounts like autopay or claim-free history.

In addition, you can invest in a home security system or upgrades to protect against natural disasters to lower your risk and qualify for lower premiums. Once you have a policy, review it regularly to ensure you’re not paying for coverage you don’t need.

Home Insurance
Frequently Asked Questions (FAQ)

Still have more questions about home insurance? At Insurdinary, we know how important it is for you to protect your home and family with the right coverage. Read these answers to the most frequently asked questions about homeowners insurance.

Is home insurance tax deductible?

In most cases, homeowners insurance isn’t tax-deductible. However, some exceptions exist for people who run a business in their home and for properties that generate income. For example, a landlord can deduct the insurance premiums they pay on rental properties.

Does shopping for home insurance harm your credit?

Most home insurance quotes only require a “soft inquiry” of your credit history, which won’t harm your score like a hard inquiry.

How much does homeowners insurance cost?

The cost of homeowners insurance depends on factors like your state, credit history, the condition of your home, risk factors, and more. However, according to a Forbes Advisor analysis, the average cost of homeowners insurance in the U.S. is about $1,854 annually for a policy with $100,000 of liability coverage and $300,000 of dwelling coverage.

How long does it take to get home insurance quotes from Insurdinary?

Insurdinary makes it fast, easy, and simple to get homeowners insurance quotes from the nation’s top insurers. Once you answer a few simple questions, you’ll have multiple quotes to compare in minutes!
Home insurance isn’t just a way to protect your house; it’s an investment in the security of your future. At Insurdinary, our network of leading insurance providers allows you to compare homeowners insurance quotes side-by-side in just minutes and customize your coverage for the perfect fit. We’re proud to help families find the coverage they need at a price they can afford without breaking their budget.

Our service is fast and free, and once you compare quotes, you can apply for a policy in minutes. Get started now!
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