🏠 Limited time: Free policy review with every quote · Call (562) 758-1200
Homeowners Insurance

Stop overpaying for
home insurance.

We shop 20+ top carriers in minutes to find you better coverage — usually at a lower price than what you're paying now. No pressure. No spam.

20+ Carriers Compared No Obligation Quote 5-Minute Process Licensed Agents
Carriers We Work With
Bamboo Hippo Openly Progressive Nationwide + 15 more
✦ Free & No Obligation

See How Much You Can Save

Takes under 2 minutes. No spam, ever.

What type of home do you have?
Tell us about your home
Where should we send your quotes?
🔒 Your info is secure & never sold. By submitting, you agree to be contacted by a licensed CoverGuard agent.

You're all set, there!

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

In the meantime, feel free to call us directly:

📞 (562) 758-1200
What's Included
Coverage built for
real homeowners.

A standard homeowners policy covers far more than just the structure. Here's what we make sure you have.

🏠

Dwelling Coverage

Protects the structure of your home — walls, roof, floors, built-in appliances — against fire, wind, hail, lightning, and more.

🏠
📦

Personal Property

Your furniture, electronics, clothing, and valuables are covered if stolen or damaged — even away from home.

⚖️

Liability Protection

Covers legal and medical costs if someone is injured on your property or you accidentally damage someone else's.

  • Additional Living Expenses
    Hotel and living costs if your home is temporarily uninhabitable
  • Medical Payments
    Covers guest injuries on your property regardless of fault
  • Detached Structures
    Garage, fence, shed, and other structures on your property
  • Optional Add-Ons
    Flood, earthquake, jewelry riders, identity theft & more
$800
avg. annual savings our clients see vs. prior carrier
Savings Estimator
See what you could save.

Estimate Your Savings

Current Annual Premium $2,400
Home Value $400,000
$480
Estimated annual savings with CoverGuard
🏆

Independent = Unbiased

We're not tied to any single company. Our job is finding you the best deal, period — not hitting a sales quota.

20+
Carriers shopped on your behalf
🔍
🔄

Annual Policy Reviews

We review your policy every year at renewal to make sure you're still getting the best rate as your life changes.

Real Reviews
Homeowners who switched
are glad they did.
Saved $620/year
★★★★★
"Fast, no pressure, and they explained every part of my policy in plain English. I finally feel like I understand what I'm paying for."
RT
Robert T.
First-time Homeowner
Better coverage, same price
★★★★★
"They bundled my home and auto and got me more coverage for the same price I was paying just for home. Real people who pick up the phone."
JL
Jessica L.
Home + Auto Bundle Client
★★★★★
"When I had a water damage claim, my agent walked me through everything. That support is worth more than any premium savings."
AP
Andre P.
Homeowner · 4 years
FAQ
Common questions,
straight answers.
How much does homeowners insurance cost? +
The national average is around $1,400–$2,400 per year, but costs vary based on your home's location, age, value, and coverage level. The best way to know your rate is to get a free quote — we'll compare options from 20+ carriers to find your best price.
Is it hard to switch insurance companies? +
Not at all. We handle the entire process for you. You won't have a coverage gap — we make sure your new policy is active before canceling the old one. Most switches are complete within 24–48 hours.
What does homeowners insurance not cover? +
Standard policies typically don't cover flood damage, earthquakes, or general wear and tear. We'll review your specific risks and recommend any add-ons that make sense for your area and situation.
Can I bundle with my auto insurance? +
Yes! Bundling home and auto with the same carrier typically saves 10–25% on both policies. We'll always check if bundling makes sense for your situation during the quoting process.
How long does it take to get a quote? +
Our online form takes under 2 minutes. Once submitted, a licensed agent will follow up within 1 business hour with quotes from multiple carriers — so you can compare apples to apples.
Are you a captive or independent agency? +
We're 100% independent, which means we're not tied to any single insurance company. We work for you — not the carrier — and our only goal is to find you the best coverage at the best price.

Your best home insurance rate is one click away.

Free quote. No obligation. Takes 2 minutes. A real agent will personally review your options.