🏆 Rated #1 Home Insurance 2025

Protect Your Home. Save Up to 40%.

America's smartest homeowners insurance. Get comprehensive dwelling coverage, personal property protection, and liability insurance — all in one affordable policy. Quote in 60 seconds. Zero paperwork.

60 sec
Instant quote
750K+
Homes protected
4.9★
Customer rating

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Claims Paid Fast Average 48-hour payout
Full Coverage Home + Contents + Liability
A+ AM Best Rating Financially stable
75+ Years Experience Trusted since 1950
750,000+ Homes Protected nationwide
24/7 Claims Support Always here for you

Smart Home Insurance for Modern Homeowners

We've reimagined homeowners insurance for 2025. Faster quotes, better coverage, smarter technology — and savings that actually make a difference.

60-Second Instant Quotes

No more waiting days for home insurance quotes. Our AI-powered system analyzes your property and delivers accurate rates in under a minute. Fast, fair, transparent.

Complete Dwelling Protection

Your home is your biggest investment. We cover the structure, attached structures, and permanent installations. Fire, storm, theft, vandalism — you're protected.

Personal Property Coverage

Furniture, electronics, jewelry, clothing — we protect what matters. Replacement cost coverage means you get new items, not depreciated value. Full protection.

Liability Protection Up to $1M

Accidents happen. Our liability coverage protects you if someone is injured on your property or if you accidentally damage someone else's property. Peace of mind included.

24/7 Claims Support

File claims anytime, anywhere with our mobile app. Real humans answer your calls around the clock. Average claim resolution: 48 hours. We're here when you need us most.

Save Up to 40% on Premiums

Bundle discounts, smart home discounts, claims-free discounts — we reward responsible homeowners. Most customers save $500+ per year switching to HomeShield.

Home Insurance Plans for Every Property

From single-family homes to condos to rental properties — we have the perfect homeowners insurance policy for your needs.

Homeowners Insurance

Complete protection for your home

Most Popular Choice
  • Dwelling coverage up to full replacement
  • Personal property with replacement cost
  • Liability protection up to $1,000,000
  • Additional living expenses covered
  • Other structures (garage, shed, fence)

Landlord Insurance

Protection for rental properties

Rental Income Protection
  • Property damage coverage
  • Lost rental income protection
  • Landlord liability coverage
  • Vandalism and theft protection
  • Multi-property discounts available

Get Home Insurance in 4 Easy Steps

No complicated forms. No confusing jargon. Just straightforward homeowners insurance that protects what matters most.

1

Enter Your Address

Just type your property address. Our system automatically pulls property details from public records.

2

Customize Coverage

Choose your deductible, coverage limits, and add-ons. Our AI recommends the best options for your situation.

3

Review & Pay

See your transparent pricing breakdown. Pay monthly or annually — no hidden fees, ever.

4

You're Protected!

Coverage starts immediately. Get your policy documents via email and access everything from our mobile app.

Why 750,000+ Homeowners Trust HomeShield

Real reviews from real customers. See why we're rated #1 in customer satisfaction for home insurance.

"A pipe burst in our basement at 2 AM. I filed a claim through the app and had an adjuster call me by 8 AM. Check was deposited in 3 days. This is how insurance should work!"

DM
David M.
Homeowner, Chicago, IL

"Switched from my progressive home insurance and saved $680 per year — with BETTER coverage! The home insurance quote took literally 45 seconds. Why didn't I do this sooner?"

JK
Jennifer K.
Homeowner, Austin, TX

"As a first-time homebuyer, I was overwhelmed. HomeShield made it simple. They explained everything, helped me choose the right coverage, and the price was amazing."

MR
Marcus R.
First-time Buyer, Denver, CO

Frequently Asked Questions About Home Insurance

Everything you need to know about homeowners insurance, property coverage, and protecting your biggest investment.

Homeowners insurance typically covers four main areas: dwelling coverage (your home's structure), personal property (your belongings), liability protection (if someone is injured on your property), and additional living expenses (if you need temporary housing). HomeShield policies also include coverage for other structures like garages and fences.
Your dwelling coverage should equal the cost to rebuild your home (not its market value). For personal property, we recommend coverage equal to 50-70% of your dwelling coverage. Liability coverage of at least $300,000 is recommended, though $500,000-$1,000,000 provides better protection. Our quote tool helps calculate the right amounts for you.
Standard homeowners policies don't cover flood damage, earthquake damage, normal wear and tear, pest infestations, or intentional damage. Flood and earthquake coverage can be added as separate policies or endorsements. Home maintenance issues (like a leaky roof from age) are typically not covered.
There are several ways to save: bundle with auto insurance (save up to 25%), install security systems and smart devices (10-15% discount), maintain a claims-free record, choose a higher deductible, and ask about loyalty discounts. HomeShield customers save an average of $500+ per year compared to traditional insurers.
With HomeShield, you can get a quote in 60 seconds and purchase a policy in under 5 minutes. Coverage can start as soon as the same day — we'll work with your closing timeline if you're buying a new home. You'll receive your policy documents via email immediately after purchase.
While it's not legally required once your mortgage is paid off, we strongly recommend maintaining coverage. Your home is likely your largest asset, and replacing it after a fire, storm, or other disaster without insurance could be financially devastating. Plus, liability coverage protects your assets if someone is injured on your property.

Ready to Protect Your Home?

Join 750,000+ smart homeowners who trust HomeShield. Get your free home insurance quote in 60 seconds — compare homeowners insurance rates, no obligations, no pressure.

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Important Disclosure: Insurance products and services are provided by HomeShield Insurance Services and its affiliated insurance companies. Coverage, rates, and availability vary by state and are subject to underwriting approval. All policies are subject to terms, conditions, limitations, and exclusions. Please refer to your policy documents for complete details.

HomeShield Insurance Services is a licensed insurance agency. Not all products are available in all states. The information provided on this website is for informational purposes only and does not constitute an offer to sell or solicitation of an offer to buy insurance. Actual savings may vary based on individual circumstances.

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