Here’s how to get the best rate on your homeowners insurance

And on top of that, if your home state is prone to severe weather or natural disasters, you could pay up to $1,700 more than the average each year.

If you want to get the best deal possible on coverage for your home — no matter where you live — you’ll need to comparison shop multiple home insurance companies.

Normally, shopping around for insurance quotes takes forever and it's a hassle to field multiple phone calls from different insurance agents. Thanks to OfficialHomeInsurance, those days are over. Now you can find the lowest prices on home insurance online, and you can do it in under 2 minutes.

Compare rates, save an average of $482 a year

Using OfficialHomeInsurance to compare rates is free and ridiculously simple.

You just fill in a bit of information and OfficialHomeInsurance will instantly sort through over 200 insurers to find you the best deals available in your area.

You’ll be able to review all your offers in one place, and quickly find the coverage you need for the lowest possible cost.

Local homeowners in Washington state, for example, often save close to $1,000 or more per year by shopping around for their insurance — according to the nonprofit consumer group Puget Sound Consumers’ Checkbook.

Protect your home, save money

Home insurance premiums keep going up, so if your home needs coverage the time to act is now. The longer you wait, the more you’ll end up paying.

OfficialHomeInsurance makes it easy to find the best rate available — take a few minutes today and get your home the protection it deserves.

What is a good homeowners insurance rate?

At the time of writing, the average annual home insurance rates are around $2,543 - $2,927, but this is just an approximation and there may be different averages depending on where you live. Ultimately, the best homeowners insurance rate is one that’s both affordable for your budget and fully covers your home and belongings.

What is the 80% rule in homeowners insurance?

The 80% rule means your home should be insured for at least 80% of its replacement cost. If you’re underinsured and file a claim, the insurer may reduce how much they pay.

How to get the best deal on home insurance?

You have to shop around and compare quotes to find the most attractive home insurance policy that fits your budget and needs. Don’t forget to factor in features like bundles, discounts, and higher deductibles to bring down your cost.