How to Compare Homeowners Insurance Quotes – What to Look For and Why

Shopping for homeowners insurance? Don’t just pick the lowest number on the screen. The cheapest quote may leave you underinsured, while the highest may include coverages you don’t need.

Here’s how to compare homeowners insurance quotes the right way—so you protect your home without overpaying.

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✅ 1. Start With the Dwelling Coverage Amount
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This is the amount your insurer will pay to rebuild your home after a covered loss (like fire or tornado damage). It should reflect:

• Local construction costs
  
  
• The size and features of your home
  
  
• Not the market value, but the replacement cost
  
  
  

💡 Some companies under-quote dwelling coverage to appear cheaper. Make sure every quote uses a realistic rebuild value.



💸 2. Check the Deductibles
Home insurance usually includes:

• A general deductible (flat dollar amount, like $1,000)
  
  
  
• A wind/hail deductible (often 1–2% of your dwelling coverage)

Many Carriers are starting to require minimum wind/hail deductibles at 2% depending on your area.

📦 3. Review Personal Property Coverage
This protects your belongings. Most policies automatically cover your contents at 50–70% of your dwelling limit.
Also check:

• Replacement Cost vs. Actual Cash Value: You want replacement cost
  
  
• Sub-limits for things like jewelry, electronics, firearms, or collectibles
  
  
  

➡️ Disclaimer: Items like expensive jewelry or artwork may need to be scheduled separately on a personal articles policy.


🧰 4. Look at What’s Included (and What’s Not)
Important extras to look for:

• Water backup & sump pump overflow
  
  
• Foundation or slab coverage (especially in Texas)
  
  
• Ordinance or law coverage (helps cover code upgrades)
  
  
• Roof matching or cosmetic damage endorsements
  
  
  

One quote may seem cheaper because it excludes these important protections.


🛡️ 5. Bundle and Save—But Compare Both Ways
Bundling your home and auto with one carrier can save you up to 25%. However, sometimes unbundled quotes still offer better savings overall.

That’s why working with an independent broker (like us) matters—we shop both bundled and separate carriers to find the best value.

🧠 Final Tip
Don’t just choose based on price—choose based on value. The best policy is one that covers your home, belongings, and lifestyle without leaving gaps.

At Corin Insurance, we help homeowners in Texas, Missouri, and Kansas compare quotes line-by-line to make smart, informed choices.

 Let’s review your current policy and show you what’s missing—or what you might be overpaying for.