Home insurance, compared
Before your policy renews, check the price.
Your renewal notice shows one insurer's price. Other insurers may quote the same home, with the same coverage, for less. Enter your ZIP code to compare home insurance rates in your area. It takes about a minute.
Free · No obligation · No credit check to start
Same home, same coverage
Illustrative example. Your quotes depend on your home, location and history.
Three steps, about a minute
No phone calls to get started and nothing to sign. You decide what happens next.
Enter your ZIP code
Home insurance is priced by area, so we start with where your home is.
Answer a few questions
Some basics about the property, like its age, size and roof, so the rates fit your home.
Compare your options
See rates from insurers in your area. Switch, ask your insurer to match, or keep what you have.
What to check before you renew
When you compare quotes, match these parts of your current policy so you are comparing like for like.
Dwelling limit
Should cover the cost to rebuild your home, which is not the same as its market value.
Deductibles
Check the standard deductible and any separate wind, hail or named-storm deductible.
Personal property
Your belongings, from furniture to electronics, and the special limits on valuables.
Liability
Protection if someone is hurt on your property or you accidentally damage someone else's.
Roof coverage
Is your roof paid at replacement cost or actual cash value? It can make a big difference after a claim.
Usually not included
Flood and earthquake damage normally need separate policies. Check what your area needs.
Most home policies renew on autopilot. Most homeowners never see a second price.
Premiums can rise at renewal even without a claim, because of rebuilding costs and claims in your area. Comparing once a year is the easiest way to know you are still paying a fair price. How to read your renewal notice →
- 01Your premium went upA higher renewal is a good moment to see what others charge.
- 02You haven't compared in a few yearsInsurers change their pricing, so last time's best deal may not be today's.
- 03Your home has changedA new roof, security system or paid-off mortgage can change your options.
Guides for homeowners
Plain-English help with coverage, renewals and saving money.
How to Read Your Home Insurance Renewal Notice (and What to Check)
Your renewal notice tells you more than the new price. Here is what each part means and the five things worth checking before you let it renew.
Read the guide →How-toHow to Compare Home Insurance Quotes Like for Like
A cheaper quote is only cheaper if it covers the same things. A simple checklist for comparing home insurance quotes fairly.
Read the guide →Saving8 Practical Ways to Lower Your Home Insurance Premium
Simple, realistic steps that can bring your home insurance premium down, from your deductible to discounts most people forget to ask about.
Read the guide →Questions homeowners ask
Is KeysInsured free?
Yes. Comparing home insurance rates with KeysInsured is free. We may be paid by insurance providers and partners when you connect with them, never by you.
How does KeysInsured make money?
We receive referral compensation from insurance providers and marketing partners when you request quotes from them. This may affect which providers you see, but it never changes the price you pay for a policy.
Will this affect my credit score?
Entering your ZIP code involves no credit check. If you go on to request quotes, some insurers use a credit-based insurance score, which typically relies on a soft inquiry that does not affect your credit score.
Do I have to switch?
No. There is no obligation. You can compare, keep your current policy, or use what you find to ask your insurer for a better price.
Will anyone contact me?
If you request quotes, licensed insurance providers or partners may contact you about the quotes you asked for, as explained on the quote form.
Can I switch before my renewal date?
Usually, yes. Most insurers refund unused premium if you cancel mid-term, though some charge a fee. Start the new policy before cancelling the old one, and tell your mortgage lender if your premium is paid through escrow.
Renewing soon? Check first.
See what insurers in your area would charge for your home. Free, with no obligation.
Free · No obligation