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    Why use PolicyScout?

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    Common Home Insurance insurance questions –

    What does home insurance cover?

    Generally speaking, homeowners insurance provides overall coverage for the structure of your home. A basic policy offers coverage for damages to your home and belongings inside it for events like fires, storms, explosions, etc. There are different types of homeowners insurance policies that provide more comprehensive coverage for a wider range of events.

    Am I required to have home insurance?

    Technically, no. You are not legally required to have homeowners insurance however, if you have a mortgage on your home then your lender will most likely require you to have some homeowners insurance coverage in order to be approved for the loan.

    How much home insurance coverage do I need?

    A calculation can be done to determine how much coverage you will need based on a few different factors that indicate how at-risk your home is to be damaged.

    What factors can affect my home insurance premiums?

    These factors include location and weather, the value and type of personal property that you keep within your home as well as potential liability risks within your home such as pools, etc.

    How can I lower the cost of my home insurance?

    There are a number of ways to reduce the cost of your homeowners insurance but the first thing you can do is to shop around and compare for the best price. Policy Scout experts can help you get the right plan in the budget that works for you.
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    Why use PolicyScout?

    If you're shopping for a new insurance policy, you want to be sure that you've evaluated all your options. As an independent voice in the insurance landscape, PolicyScout has evaluated the big players in the industry so we can help you find the policy for you and your family.

    What makes PolicyScout different?

    When you purchase insurance directly from a carrier, it's hard to know if you're really choosing the best value. As an independent website, PolicyScout can recommend the best company for each situation. And because of insurance regulations, you'll never pay more to purchase a policy through us than you would through a carrier directly.