Find the right homeowners insurance
Call Now To Begin A Free Home Insurance Quote
We connect individuals with insurance providers and other affiliates to give you, the consumer, an opportunity to get information about home insurance and connect with licensed insurance agents. By completing the quotes form or calling the number listed above, you will be directed to a partner that can connect you to an appropriate licensed insurance agent who can answer your questions and discuss plan options.
How Home Insurancely Works
Call our toll free number and we will connect you with a licensed insurance agent. Since we work with multiple home insurance providers & brokers we will connect you with a licensed insurance agent.
The licensed insurance agent can go over various policy options that meet your needs. Feel free to ask any important questions as they can best guide you to make an informed decision.
Purchase your homeowners insurance policy from the provider we have connected you with. Purchasing home insurance really is that simple!
Why Home Insurancely?
We assist in the confusing world of home insurance. Our services connects you with one of our partner insurance agents who will help determine your subsidy eligibility and provide you with homeowners insurance quotes. Our site and partner agents are here to provide information & help in choosing the right plan for you.
Finding the Right Home Insurance Plan For You and Your Family
Regardless of whether you need to change your homeowners insurance to set aside cash, purchase homeowners insurance for your first home or looking for additional coverage with add-ons such as earthquake or flooding. Home Insurancely connects you the consumer with licensed agents from home insurance companies/carriers in the U.S.
- New Home Purchase
- Save Money
- Adjust Policy Limits
Determine Which Homeowners Insurance Policy Is Right For You
When you receive a Homeowners Insurance quote from a licensed insurance agent, there are multiple coverage limits with policy details that determine your monthly/annual costs for the coverage. Oftentimes a lower price maybe due to less coverage and higher premiums are results of increased coverage limits.
Homeowners insurance is typically standardized, however, when purchasing homeowners insurance you want to compare the total coverage based on the below bullets.
- Coverage limits (Amount the company will pay out with a valid claim)
- Deductible amounts (Amount you owe out of pocket before the company pays)
- Type of replacement (RC vs. ACV)
- Additional coverages and endorsements
Types of replacements vary insurer to insurer.
RC is the cost to replace your item with an item of similar quality. Replacement cost policies tend to be a bit more expensive since you are essential getting a brand new item for one that may have otherwise depreciated.
ACV on the other hand is the cost to replace the item subtracted by any depreciation.
- Homeowners Insurance is Typically Standardized
- Coverage limits are the amount a company will pay for a valid claim
- Deductibles are amounts you owe out of pocket before Company pays
- RC is the cost to replace your item for something similar
- ACV is cost to replace the item after depreciation
Coverage Limit Example
|Coverage||Typical Coverage Limit||Coverage Area|
|Dwelling||Rebuild Home||Entire Home|
|Structures||10% of Dwelling||Additional buildings on property such as detached garage|
|Personal Property||50% of dwelling||Belongings within the home|
|Loss of Use||20% of dwelling||Living expenses in the event your home is not habitable|
|Personal Liability||$100,000||Legal costs if you are sued and found liable|
|Medical Payments||Description||Medical expenses if a guest is injured on your property|
RC = Replacement Cost
Replacement cost will reimburse you the homeowner based on the cost to completely replace a damaged item. For example, if you lose your dining table in a fire, an RC policy will reimburse you enough money to purchase a new dining table.
ACV = Actual Cash Value
Actual cash value reimburses you the homeowner based on the value of the item at the time of loss with depreciation. So, if that same dining table is lost in a fire you’ll receive a substantially less as it reflects the value of the used dining table.