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Homeowners Insurance

Your home deserves
better than
overpaying.

We compare 20+ carriers to find you the strongest homeowners coverage at the best possible price — often saving clients $600–$1,200 a year.

20+ Carriers Compared No Obligation 5-Minute Quote Local Agents
Carriers We Work With
BambooHippoOpenly TravelersNationwide Liberty Mutual+ 15 more
✦ Free & No Obligation

See How Much You Save

Under 2 minutes · No spam · Real agents

What type of home do you have?
Tell us about your home
Where should we send your quotes?
🔒Secure & never sold. A licensed CoverGuard agent will contact you.

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A licensed CoverGuard agent will reach out within 1 business hour with your personalized homeowners quotes.

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Trusted By
⭐⭐⭐⭐⭐ 500+ five-star reviews 🏠 Thousands of homes protected 💰 Average savings: $800/year <1hr response time
Why CoverGuard
Independent means
we're on your side.
$800
Average annual savings our clients see switching to CoverGuard
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We're Not Tied to Anyone

As a 100% independent broker, we compare 20+ top-rated carriers and present you with the best options — no bias, no quotas, no pressure. Just the best deal for your home.

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📋

Complete Coverage Review

We don't just find you the cheapest policy. We make sure you have the right coverage — so you're never underinsured when it matters most.

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20+
Top-rated carriers compared for every client
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Annual Reviews

Every year at renewal, we shop the market again. As your home's value changes, we make sure your coverage keeps up.

Same-Day Response

Every quote request is answered by a real licensed agent within 1 business hour — not a bot, not a call center.

What's Covered
Everything your policy
should include.

A well-built homeowners policy covers far more than just your walls. Here's what every homeowner needs to understand.

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Dwelling Coverage
Rebuilding or repairing your home's physical structure after a covered loss.
Core Coverage
  • Walls, roof & floors
  • Built-in appliances
  • Fire, wind, hail, lightning
  • Vandalism & theft damage
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Personal Property
Covers your belongings inside — and often outside — the home.
Core Coverage
  • Furniture & electronics
  • Clothing & valuables
  • Covered even away from home
  • Replacement cost options
⚖️
Liability Protection
Legal & medical coverage if someone is injured on your property.
Core Coverage
  • Legal defense costs
  • Medical bills for guests
  • Accidental property damage
  • Dog bite coverage
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Additional Living Expenses
Covers hotel, meals, and costs if your home becomes uninhabitable.
Recommended
  • Hotel & lodging costs
  • Restaurant meals
  • Moving & storage
  • Laundry & incidentals
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Other Structures
Protects detached structures on your property.
Recommended
  • Detached garage
  • Fences & sheds
  • Driveways & patios
  • Guest houses
☂️
Optional Add-Ons
Extra protection tailored to your location and lifestyle.
Optional
  • Flood insurance
  • Earthquake coverage
  • Jewelry & fine art riders
  • Identity theft protection
Savings Calculator
How much could you save?

Estimate Your Savings

Current Annual Premium$2,400
Home Value$450,000
$480
Estimated annual savings with CoverGuard
Get My Accurate Quote →
🎯

Right Coverage, Not Just Cheap Coverage

We've seen too many homeowners lose claims because they were underinsured. We make sure your dwelling coverage actually matches the cost to rebuild — not just the market value.

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Claims Support When You Need It

When disaster strikes, we're your advocate. We work with the carrier on your behalf to make sure your claim is handled fairly and quickly.

How It Works
Simple, fast,
and stress-free.
01
📋
Tell Us About Your Home
Fill out our quick 2-minute form. No long questionnaires, no surprises.
02
🔍
We Shop 20+ Carriers
Your agent compares top-rated carriers to find the best coverage at the best price.
03
📊
Review Your Options
We explain your quotes in plain English — no jargon, no pressure.
04
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You're Protected
We handle the paperwork and make sure there's zero gap in coverage.
Client Reviews
Homeowners who made
the switch.
Saved $1,140/year
★★★★★
"I had been with my insurer for 9 years assuming loyalty meant a fair price. CoverGuard showed me I was overpaying by $95 a month. The switch took less than a day, and my new policy actually has better coverage."
KM
Karen M.
Homeowner · Baldwin Park, CA
Saved $620/year
★★★★★
"First time buying a home — I had no idea what coverage I needed. My CoverGuard agent walked me through everything. I felt completely confident in my policy."
RT
Robert T.
First-Time Homeowner
Better coverage, same price
★★★★★
"Bundled home and auto — same price as my old home policy alone. My agent found discounts I didn't even know existed."
JL
Jessica L.
Home + Auto Bundle
★★★★★
"Had a water damage claim and my CoverGuard agent guided me through every step. That support is priceless."
AP
Andre P.
Client · 4 Years
FAQ
Straight answers to
common questions.
How much does homeowners insurance cost? +
The national average ranges from $1,400–$2,400/year, but your rate depends on location, home age, value, and coverage level. The fastest way to know is to get a quote — we compare 20+ carriers for you at no cost.
How hard is it to switch insurance companies? +
Very easy. We handle the entire process and make sure your new policy is active before canceling the old one — zero coverage gap. Most clients are switched within 24–48 hours.
What's NOT covered by standard homeowners insurance? +
Standard policies don't cover floods, earthquakes, or normal wear and tear. We'll review your local risks and recommend any add-ons that make sense for your specific area and situation.
Should I insure for market value or replacement cost? +
Always replacement cost. This is one of the biggest mistakes we see — homeowners insure for market value but rebuilding a home typically costs more than what you could sell it for. We'll make sure your dwelling coverage is accurate.
Can I bundle with auto insurance to save more? +
Yes — bundling typically saves 10–25% on both policies. We always check whether bundling makes financial sense during your quoting process.
What happens when I file a claim? +
You call us first. We work as your advocate with the carrier, help you document the loss, and make sure the claim is handled fairly. You're never navigating it alone.

Your best home insurance rate is one click away.

Free. No obligation. Real agents who care about getting it right.

🏠 Get My Free Home Quote