Home insurance, compared in about 2 minutes
Guard the whole den, without overpaying.
Get matched with licensed agents who shop homeowners coverage for you in about two minutes — and keep your biggest investment covered for less.
- 100% free
- No obligation
- About 2 minutes
Why compare home quotes?
Carriers weigh the same home very differently — comparing quotes is the easiest way to stop overpaying for the coverage you need.
Calling around
- One quote per phone call — and plenty of hold music.
- Every agent starts the same questions over from the top.
- No way to tell if the price you're offered is actually competitive.
With QuotePronto
- One two-minute form reaches our whole network of licensed agents at once.
- Answer everything once — Dash does all the running.
- Competing quotes come to you, so the best deal is easy to spot.
What home insurance covers
The plain-English version — so you know exactly what you're comparing before the quotes roll in.
Dwelling coverage
Rebuilds or repairs the structure of your home — walls, roof, built-in systems — after covered events like fire, wind, or hail.
Other structures
Extends protection to things on your property that aren't the house itself: a detached garage, fence, shed, or that gazebo you're proud of.
Personal property
Covers your belongings — furniture, electronics, clothing — if they're stolen or damaged by a covered peril, at home or often even away from it.
Personal liability
Protects your finances if someone is injured on your property or you accidentally damage someone else's, including legal defense costs.
Loss of use
Pays for hotel stays, meals, and other extra living expenses if a covered loss makes your home temporarily unlivable.
What shapes your rate
Carriers weigh these ingredients differently — which is exactly why two quotes for the same coverage can land far apart, and why comparing pays.
- 1
Age and construction
Older homes, aging roofs, and certain building materials cost more to insure. Updates to your roof, wiring, or plumbing can bring your premium down.
- 2
Location and weather risk
Wildfire, hurricane, hail, and crime exposure vary block by block — and carriers weigh them differently, which is exactly why comparing pays off.
- 3
Rebuild cost and deductible
Your premium tracks the cost to rebuild your home (not its market price) and the deductible you choose. A higher deductible lowers the bill.
- 4
Claims history
Prior claims — yours, and sometimes the home's — influence pricing. A claim-free stretch often earns meaningful discounts.
See your home rates, pronto.
Two minutes of questions, zero obligation — and Dash fetches the rest.
Get My Home QuoteHome insurance questions, answered
Straight answers — no fine print required.
Is home insurance legally required?
No state law requires it — but if you have a mortgage, your lender almost certainly does. Even with a paid-off home, going without coverage means shouldering the full cost of a disaster yourself.
Does home insurance cover floods and earthquakes?
Standard homeowners policies generally exclude both. Flood coverage comes through a separate policy (often via the National Flood Insurance Program or private insurers), and earthquake coverage is a separate policy or endorsement. If you're in a risk area, ask about both when you compare.
Should I insure my home for its market value?
No — insure it for what it would cost to rebuild, which can be higher or lower than the sale price. Land doesn't burn down, but construction costs change. A good quote comparison starts from an accurate rebuild estimate.
Can bundling home and auto really save money?
Usually, yes — most carriers discount both policies when you bundle. But the biggest bundle discount isn't always the lowest total price, so it's worth comparing bundled and unbundled quotes side by side.
Also worth a sniff
While Dash is fetching, these coverages pair nicely with home.