Compare home insurance beyond the premium.

Dwelling, belongings and liability coverage with exclusions and optional protection to review.

Core coverage

Allstate describes dwelling, personal property, liability and additional living expenses after a covered loss makes the home uninhabitable.

Important exclusions

Its overview lists flood, earth movement, water backup and wear or maintenance problems among general exclusions. Check endorsements and the actual policy for exceptions and limits.

Property coverage with separate flood, earthquake and specialty-home options.

Home protection

Farmers describes coverage for repairing or rebuilding a home and replacing belongings after covered events, along with liability protection.

Flood and earthquake

The property overview says flood insurance is not included in home policies and earthquake coverage is typically separate.

Homeowners insurance managed digitally, with location and coverage restrictions.

Digital service

Lemonade describes app-based quoting, policy management and claims filing. This does not establish a guaranteed payment or claim completion time.

Coverage gaps

Its overview excludes floods, earthquakes, sinkholes, neglected maintenance, mold, wear and pest infestations from standard homeowners coverage. Separate policies or endorsements may be needed.

Home coverage with optional replacement-cost and water-backup protection.

Core coverage

The product overview describes dwelling, personal property, liability and additional living expenses after a covered loss.

Optional coverage

Personal property replacement-cost coverage and water backup or overflow protection are listed as add-ons, not benefits to assume are included.

Home coverage with optional Brand New Belongings protection.

Covered events

Nationwide describes protection against covered theft, fire, liability lawsuits and weather losses. The policy determines what is covered.

Brand New Belongings

This optional feature can repair or replace covered possessions. It has exclusions and limits, varies by state and policy, and is subject to underwriting approval.

Home policies placed through an agency with multiple possible underwriting insurers.

Who issues the policy?

Progressive Home policies are placed through Progressive Advantage Agency with affiliated and unaffiliated insurers. Each insurer is responsible for its own claims.

Shopping channel matters

The available insurers can depend on whether you buy directly or through an independent agent or broker. Prices, coverage and privacy policies differ by insurer.

Home insurance quotes built around property details, coverage and agent assistance.

Property details

The quote process asks about the address, occupancy, age, size, structures, prior insurance, claims and safety features.

Coverage and price

State Farm uses further property and personal information to determine available coverage options, deductibles and policy cost. The national product page is not a confirmation of new-business availability for every address.

Home coverage with replacement-cost features and membership restrictions.

Personal property

USAA describes repairing or replacing belongings after a covered event, up to policy limits. Review replacement requirements and deductibles in the contract.

Liability

Homeowners liability coverage may help with covered injury or property-damage liability and associated legal costs.