where can i get home insurance quotes online?

To get home insurance quotes online , you can choose between comparison platforms that let you shop across multiple companies simultaneously or go directly to individual insurance carriers.

Here are the best ways to get started online, along with the information you will need to have ready.

📊 Online Comparison Platforms (Best for Shopping Around)

If you want to view multiple quotes side-by-side without entering your data on dozens of different websites, start with a marketplace:

• The Zebra Home Insurance Marketplace : Provides a quick way to compare homeowners insurance quotes side-by-side from multiple companies at once to save time.
• NerdWallet Home Insurance Comparison : Offers an online matching tool that connects you with insurers based on your basic personal and property details.
• Progressive HomeQuote Explorer : Allows you to enter your home details once and see a side-by-side rate comparison from multiple top-rated insurers in their network.
• Matic Home Insurance : Features an online calculator to estimate your costs before shopping their network of over 60 A-rated carriers.
• Hippo Home Insurance : Connects you with personalized coverage options from over 70 carrier partners in under 60 seconds.

🏠 Direct Insurance Carriers (Best for Specific Bundles)

If you already have auto insurance with a specific company, getting a direct home quote from them is usually the easiest way to unlock a substantial multi-policy bundle discount.

• State Farm : Pulls public records automatically using your property address to pre-fill your home's structure information.
• Liberty Mutual : Provides customizable coverage online so you can adjust your deductibles and see exactly how it impacts your monthly premium.
• Lemonade Insurance : A digital-first provider with rates starting at $25/month, utilizing an AI-driven online quote process that takes just a few minutes.
• Nationwide : Offers standard online quoting covering dwelling, personal property, and loss of use protection.
• Allstate : Features a straightforward web portal to start your quote online or continue an existing application.
• Homesite Insurance : A fast-quoting platform where entering your zip code immediately kicks off a customized property quote.

📋 What You Need to Have Ready

Most online quote tools pull public records for major details, but having this information on hand will make your final quote much more accurate:

To help me point you to the right option, are you looking to bundle with an existing auto policy , or are you shopping for a new home purchase ? Let me know your state or zip code if you'd like to check average regional costs.

You can get home-insurance quotes directly online from several major insurers. If you're shopping in Washington, I'd compare at least 3–5 quotes because premiums can vary substantially by property and insurer.

• statefarm.com — Online homeowners quotes in most states.
• amica.com — Offers online Washington quotes and lets you compare Standard Choice and Platinum Choice policies.
• libertymutual.com — Online quotes with customizable coverage and deductible options.
• progressive.com — Online quoting and comparison through its HomeQuote Explorer.
• allstate.com — Enter your ZIP code to start an online quote.

For Washington specifically, the Office of the Insurance Commissioner also has a company/agent lookup and complaint-comparison tools, which are useful for checking insurers before you buy.

Tip: Don't compare quotes based solely on the monthly price. Make sure the dwelling coverage, replacement-cost terms, deductible, liability limit, and exclusions are reasonably similar.

If you tell me your ZIP code and whether it's a house, condo, or townhouse, I can help you narrow down which insurers are worth getting quotes from.

Yes. If you're shopping for homeowners insurance, I'd get 3–5 quotes and compare the coverage, not just the premium.

Good places to start:

• progressive.com — Its HomeQuote Explorer can compare rates from multiple insurers in its network.
• statefarm.com — Offers online homeowners quotes in most states.
• allstate.com — Online quote starting with your ZIP code.
• amica.com — Offers online home quotes where available.
• nationwide.com — Particularly relevant if you're shopping in Washington; Nationwide offers customized online quotes there.

If you're in Washington, I'd also consider getting a quote through an independent insurance agent, because they can shop multiple carriers that aren't necessarily available through a single insurer's website. Washington's Office of the Insurance Commissioner also has consumer resources for homeowners.

What I'd compare

Don't compare quotes until the major limits are roughly equivalent:

• Dwelling/rebuild coverage
• Personal property coverage
• Liability limit
• Deductible
• Water/sewer backup coverage
• Roof coverage and settlement method
• Additional living expenses
• Earthquake coverage, if relevant
• Any exclusions specific to your property

Tip: Give every insurer the same coverage limits and deductible. Otherwise, the cheapest quote may simply be offering substantially less protection.

If you tell me your ZIP code, approximate home value, year built, and whether you want home-only or home + auto, I can help you identify the best sites/carriers to quote and what coverage limits I'd use for the comparison.

You can get home insurance quotes online through three primary methods: using online comparison marketplaces, applying directly with major national insurers, or utilizing digital quote aggregation engines. Shopping online allows you to compare coverage options, policy forms, and deductibles efficiently from your own computer or phone.

Where to Get Quotes Online

What You Need to Apply

To get an accurate estimate online, most platforms will ask you to provide:

• Personal details: Your name, date of birth, and contact information.
• Property address: Many sites will auto-fill your home’s square footage and build year using public records.
• Property characteristics: The age of your roof, presence of security systems, and construction materials.
• Current coverage: Information about your current policy limits if you already have insurance.

Standard Coverages Included

When reviewing your online quotes, ensure the standard components are structurally comparable:

• Dwelling: Protects the physical structure of your house (roof, walls).
• Other Structures: Covers detached buildings like standalone garages or tool sheds.
• Personal Property: Safeguards your furniture, electronics, and clothing.
• Loss of Use: Pays for your necessary temporary living expenses if a covered fire or disaster makes the home unlivable.
• Personal Liability: Protects your personal assets if someone is injured on your property.

If you would like to estimate your prospective costs, let me know what state you live in and the estimated market or replacement value of your home. I can also help you figure out what add-on coverages (like flood or earthquake riders) you might need based on your area.

If you're shopping for homeowners insurance in Wisconsin, I'd get quotes from a mix of direct insurers and comparison sites rather than relying on just one quote.

• statefarm.com — Good first quote to establish a baseline.
• amfam.com — Especially worth checking in Wisconsin; the company is headquartered in Madison.
• progressive.com — Can match you with multiple insurers and show rates/coverages side by side.
• thezebra.com — Compares quotes from 100+ insurance partners.
• agents.allstate.com — Another major insurer to price-check.

For Wisconsin specifically, recent 2026 comparisons also highlight West Bend, State Farm, Chubb, Erie, Auto-Owners, and American Family as companies worth considering.

My recommendation

I'd get at least 4 quotes and make sure the coverage limits and deductible are identical. Wisconsin's Office of the Commissioner of Insurance specifically recommends an apples-to-apples comparison when shopping policies.

If you tell me your ZIP code, approximate home value, year built, and whether you currently have auto insurance, I can also help you figure out which insurers are likely worth quoting and what coverage limits to compare.

To get home insurance quotes online , you can use comparison marketplaces to see multiple rates at once or visit direct carrier websites for specific company pricing.

🔎 Where to Get Quotes Online

1. Online Comparison Marketplaces

These platforms allow you to input your information once and compare quotes from multiple providers side-by-side.

• The Zebra Home Insurance Marketplace : Compare side-by-side quotes from multiple major providers simultaneously to find the lowest rate.
• Progressive HomeQuote Explorer : Pulls data from public records to autofill your home's details and matches you with multiple network insurers.
• SoFi Insurance Services : Powered by Experian, this tool lets you compare up to 30 top providers within a few minutes.

2. Direct Insurance Carriers

If you want to look at a specific company or are interested in bundling with your current auto insurance, you can get a direct quote from major providers:

• State Farm Homeowners Insurance : Uses public records to verify your property info and determine your customizable coverage options.
• Liberty Mutual Home Insurance : Offers easy online customization for personal property, liability, and additional living expenses.
• Lemonade Homeowners Insurance : An online-first option with policies starting around $25/month depending on your home's location and structure.

📊 Cheapest Providers of 2026

According to national data compiled by U.S. News & World Report , these companies rank as the most affordable average options for standard coverage:

🗒 What You Need to Quote Online

To complete your online quote quickly, have the following information ready:

• Property Address : Most sites use public records to pull your square footage and roof age.
• Home Details : Construction materials, proximity to a fire hydrant, and safety features (smoke alarms, security systems).
• Current Policy : Your current declarations page (if you have one) to match your existing coverage limits.
• Personal Info : Dates of birth for all occupants and your claims history.

💡 Quick Tips to Lower Your Quote

• Bundle Policies : Combine your home and auto insurance for the largest available discount.
• Quote Early : Companies like Progressive offer discounts if you secure your quote at least 10 days before the policy start date.
• Adjust Your Deductible : Choosing a higher deductible will immediately lower your monthly premium payment.

To help me find the best options for you, could you share your ZIP code , the approximate age of your home , and whether you want to bundle with auto insurance?

To get home insurance quotes online, you can use online comparison marketplaces to view multiple options simultaneously, or visit individual insurer websites for direct pricing. Leading digital platforms like The Zebra Homeowners Insurance Marketplace and the Progressive HomeQuote Explorer allow you to view side-by-side policy options.

Top Providers for Online Quotes

Information You Will Need

• Personal data : Your date of birth, current address, and contact details.
• Property details : Structural age, roof material type, and square footage.
• Safety additions : Details on smoke alarms, security systems, or smart locks.
• Current coverage : Your existing declarations page to match coverage limits.

Key Steps to Compare Quotes

To help tailor this, do you need quotes for a new home purchase or an existing policy renewal ? Let me know your zip code if you would like specific regional cost estimates.

Yes. Since you’re in Illinois, you can get online homeowners insurance quotes directly from several major insurers:

• statefarm.com — Online quotes; you can enter your ZIP code and start immediately.
• allstate.com — Online quote with Illinois-specific coverage options.
• farmers.com — Online estimate and the ability to adjust coverage limits and see how the premium changes.
• geico.com — Offers online homeowners quotes in Illinois through the GEICO Insurance Agency.

How I'd shop

Get at least 3–5 quotes, but make sure you're comparing the same coverage and deductibles. The Illinois Department of Insurance specifically recommends giving each insurer the same information and comparing the same coverage limits.

Pay particular attention to:

• Dwelling/replacement-cost coverage
• Personal property coverage
• Liability limit
• Deductible
• Wind/hail coverage
• Water backup coverage
• Whether the policy covers your roof at replacement cost or actual cash value
• Flood coverage — standard homeowners insurance generally does not cover flooding.

If you tell me your ZIP code, approximate home value, year built, and whether you currently have auto insurance, I can also help you figure out which insurers are worth getting quotes from and what coverage limits to request.

To get home insurance quotes online, you can use online comparison marketplaces to view multiple options simultaneously, or visit individual insurer websites for direct pricing. Leading digital platforms like The Zebra Homeowners Insurance Marketplace and the Progressive HomeQuote Explorer allow you to view side-by-side policy options.

Top Providers for Online Quotes

Information You Will Need

• Personal data : Your date of birth, current address, and contact details.
• Property details : Structural age, roof material type, and square footage.
• Safety additions : Details on smoke alarms, security systems, or smart locks.
• Current coverage : Your existing declarations page to match coverage limits.

Key Steps to Compare Quotes

1. Match deductibles : Keep liability limits and deductibles identical across quotes.
2. Account for upgrades : Factor in recent kitchen renovations or additions.
3. Check bundling options : Request combined auto and home rates for lower premiums.

To help tailor this, do you need quotes for a new home purchase or an existing policy renewal ? Let me know your zip code if you would like specific regional cost estimates.

If you're shopping for homeowners insurance in New Jersey, I'd get quotes from several insurers rather than relying on one.

• njm.com — New Jersey-based insurer with online homeowners quotes.
• statefarm.com — Offers online homeowners quotes in most states.
• progressive.com — Its Home Quote Explorer can compare rates/coverages from multiple companies.
• allstate.com — Listed by the New Jersey Department of Banking and Insurance as an insurer writing homeowners policies in NJ.
• amica.com — Also listed by NJ's insurance department as a direct writer of homeowners insurance.
• libertymutual.com — Available in NJ, with direct and agent options.

My suggestion: get at least 3–5 quotes, using the same dwelling coverage, personal-property coverage, liability limit, and deductible for each. NJ's insurance department specifically recommends comparing identical coverage limits and deductibles.

You can also use the nj.gov to verify which companies currently write homeowners policies in NJ.

If you tell me your ZIP code, approximate home value, and whether it's a house/condo, I can narrow this down to the best places to get quotes and what coverage limits I'd compare.