Your home is your most valuable asset. A licensed agent helps you find coverage that actually protects your dwelling, your belongings, and your liability — at a price that fits your budget.
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Your home's age, construction type, location, and replacement value all affect what coverage you need. Your agent helps you find the right fit — not just the cheapest option.
We work with multiple home insurance carriers so you see real options and real premiums — not just a single company's best offer.
Whether you own your home or rent it out, there are coverage options designed for your situation. Renters insurance is also available for tenants.
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A standard homeowners policy is built from several coverage components. Understanding each one helps you make sure you're not underinsured — or paying for coverage you don't need.
Covers the cost to repair or rebuild your home's physical structure — walls, roof, floors, built-in appliances — if damaged by fire, wind, hail, lightning, or other covered perils. Coverage amount should reflect the full replacement cost, not market value.
Protects the contents of your home — furniture, electronics, clothing, appliances, and other belongings. Coverage applies both inside the home and, in many cases, when belongings are in your car or at a storage unit. High-value items may require riders.
If a guest is injured on your property or you accidentally damage someone else's property, liability coverage pays legal defense costs and damages awarded against you. Standard policies provide $100,000–$300,000; higher limits are available.
If a covered event makes your home temporarily uninhabitable, ALE covers the cost of hotel stays, restaurant meals, and other increased living costs while your home is being repaired. Limits are typically 20–30% of dwelling coverage.
Covers detached structures on your property — garages, fences, sheds, and gazebos — typically up to 10% of your dwelling coverage amount. Useful for properties with significant outbuildings.
Standard policies exclude flood and earthquake damage. Separate flood insurance (through NFIP or private carriers) and earthquake riders are available. Other common add-ons include scheduled personal property, identity theft protection, and umbrella liability.
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United Insurance Quotes is not affiliated with or endorsed by the U.S. Government or any federal or state agency. We are an independent referral and comparison service that connects consumers with licensed insurance agents for homeowners insurance, renters insurance, and related coverage options.
By completing this form or calling the number above, you will be connected with a licensed insurance agent or marketing partner who can discuss home insurance options. Products, rates, and availability vary by state, carrier, and property characteristics. Coverage descriptions are for informational purposes only and are subject to change. Policy terms, conditions, exclusions, and limits apply.
Flood and earthquake coverage are generally not included in standard homeowners policies and must be purchased separately. By using this site, you acknowledge that you have read and agree to the Privacy Policy and Terms & Conditions.