Finding the best homeowners insurance company takes time and should not rush. We are here to give the best information you need to make an informative decision between homeowner insurance companies quotes.
The other buildings on your property, like a garage.
Extra living expenses if you temporarily cannot remain in your home.
Legal and settlement costs if you are sued and found liable
Medical expenses if a guest is injured on your property
Best for All-around company
Best for Home and auto bundle
Best for Below-average rates
Best for Customer satisfaction
Best for First-time homeowners
Replacement cost policies reimburse you based on the cost to completely replace a damaged item. For example, if you lose your living room couch in a fire, an RC policy will reimburse you enough money to purchase a new couch.
Actual cash value policies reimburse you based on the value of the item at the time of loss, with depreciation factored in. So, if that same couch is lost in a fire and you have an ACV policy, you'll receive a substantially lower settlement that reflects the value of the used couch.
Excludes water damage due to sump, sump pumps, tidal water and flooding