Cheap Home Insurance

Finding Cheap, High-Quality Home Insurance

(The affordable way to protect your home)

Facade of home with manicured lawn, landscaping, and backdrop of trees and dark blue sky.

Whether you’ve just purchased a new home or are doing some clean-up of your current home insurance policy, you’re feeling the financial effects of owning property. You’re ready to save some money where you can, and we’re here to help.

While home insurance rates are increasing across the country, our independent insurance agents are patiently waiting to use their insurance-finding superpowers to protect your humble abode without sacrificing the benefits you need in your policy.  

Which states have seen the biggest increases in home insurance rates?

Home insurance rates in the U.S.
Rank State 2007 Premium 2018 Premium % Increase $ Increase
1 Oklahoma $1,054 $1,875 78% $821
2 Kansas $904 $1,548 71% $644
3 Colorado $826 $1,446 75% $620
4 Nebraska $807 $1,402 74% $595
5 Arkansas $762 $1,348 77% $586
6 Louisiana $1,400 $1,967 41% $567
7 Missouri $726 $1,280 76% $554
8 Rhode Island $950 $1,496 57% $546
9 Minnesota $800 $1,340 68% $540
10 Connecticut $929 $1,455 57% $526
11 Kentucky $578 $1,085 88% $507
12 South Dakota $618 $1,125 82% $507
13 Mississippi $1,019 $1,525 50% $506
14 Texas $1,448 $1,937 34% $489
15 Alabama $905 $1,386 53% $481
16 South Carolina $808 $1,285 59% $477
17 Georgia $724 $1,200 66% $476
18 North Dakota $771 $1,239 61% $468
19 Wyoming $656 $1,120 71% $464
20 Tennessee $723 $1,185 64% $462
21 Montana $700 $1,130 61% $430
22 Massachusetts $1,023 $1,451 42% $428
23 North Carolina $674 $1,098 63% $424
24 New Jersey $776 $1,174 51% $398
25 Florida $1,534 $1,918 25% $384
26 New York $936 $1,309 40% $373
27 Indiana $647 $1,003 55% $356
28 Illinois $700 $1,042 49% $342
29 Iowa $610 $945 55% $335
30 Maryland $692 $1,022 48% $330
31 New Mexico $667 $996 49% $329
32 Washington $506 $822 62% $316
33 Ohio $540 $850 57% $310
34 Virginia $683 $966 41% $283
35 Idaho $422 $703 67% $281
36 Wisconsin $491 $762 55% $271
37 West Virginia $646 $917 42% $271
38 Maine $596 $866 45% $270
39 New Hampshire $699 $965 38% $266
40 Delaware $559 $816 46% $257
41 Pennsylvania $689 $927 35% $238
42 Michigan $721 $952 32% $231
43 Vermont $704 $898 28% $194
44 Hawaii $850 $1,026 21% $176
45 Arizona $634 $803 27% $169
46 Oregon $496 $659 33% $163
47 Utah $505 $664 31% $159
48 D.C. $1,089 $1,225 12% $136
49 Alaska $861 $974 13% $113
50 California $925 $1,000 8% $75
51 Nevada $695 $742 7% $47

Why Cheaper Is Never Better

Going cheap can go south quickly, so tread lightly when trying to penny-pinch on your home insurance policy. The last thing you want to do is underinsure your home and end up with a hole in your wall that's never being replaced.

But don’t give up on your money-saving dreams. We’re not here to tell you it’s not possible to get cheap home insurance, we’re here to show you how to save money on your policy and still get everything you need to protect your precious sanctuary.

The 5 Best Cheap Homeowners Insurance Companies

I want the best company for... Company
Best Company Rating Amica
Best for New Homeowners Allstate
Most Personalized Quotes State Farm
Extended Endorsements Progressive
Best Replacement Coverage MetLife

Source:  https://www.reviews.com/homeowners-insurance/cheap/

How Can I Save Money on My Home Insurance?

Finding the available discounts in a home insurance policy is like finding a needle in a haystack. You know it’s in there, but you’ll never see it. 

Most of the ways to find cheap home insurance will not be spelled out in your policy. However, that doesn’t mean they don’t exist. Here are some super-secret ways to bring your home insurance premium down.

  • Double-check the replacement cost of your home property: Your current homeowners insurance company may not be properly valuing your home. If your policy is insuring a $500,000 home but yours is actually only worth $300,000, you could be wasting thousands of dollars.
  • Check in with your agent every year: Insurance agents may not be checking in on your policy every year, so it’s okay to give them a little nudge to see if anything’s changed that can save you money.
  • Clean out dangerous items: Trampolines, fire hazards, wood-burning stoves, and even the breed of your dog can increase your premium. 
  • Enhance your safety features: Installing sprinkler systems or burglar alarms and having a high-quality roof can lower your premium.
  • Bundle up: Insurance companies love to bundle your insurance. It gives them more business and saves you money. 
  • Understand your policy: If you live in a state that never gets tornadoes, then you don’t need tornado insurance. Make sure you fully understand what’s in your policy so you know you’re only paying for what you need.
  • Buy a new home: New homes qualify for a new home discount.
home

Save on Home Insurance

Our independent agents shop around to find you the best coverage.

What’s So Great About an Independent Insurance Agent?

Picture a personal shopper who understands every aspect of your body, knows how to accentuate your good parts and tuck away those not so great parts, and sends you out into the world feeling like a rock star every day. 

Yep, that’s what an independent insurance agent is like. They get to know you inside and out. They shop the best policies and present you with the perfect option for you. They’ve got a magnifying glass on your needle and will find it in the haystack, every time. 

The Scoop on Home Insurance Quotes Online

Our independent insurance agents are also just one click away, and then you’re having a conversation with a real person who is ready to find a home insurance policy that fits your wallet and your home. 

Continuing Your Insurance Search

Now that you’ve got the skinny on how to find affordable home insurance that doesn’t skimp on the stuff you need to actually protect your home, you can fly out into the real world. 

Free up our home insurance seeker and float your way into the arms of an independent agent to discover the best cheap home insurance options for you.

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TrustedChoice.com Article | Reviewed by Paul Martin

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Cost stats taken from NAIC annual insurance report