Home Insurance King Review

Suitable For?

Home Insurance King ticks off all the requirements on a homeowner’s shopping list. You get affordable rates, easy online comparison tools, and a nationwide network of reliable home insurance providers. So really, Home Insurance King is suitable for anyone who wants to save on their home insurance policy, minimize the amount of time and effort spent on researching these companies, and homeowners from across the country.

What Coverage Includes

Home Insurance King isn't actually a home insurance provider. It is an aggregator of insurance providers. Think of it as a network that matches up homeowners with the appropriate (and most affordable) home insurance carrier for them. There's a lot of research that goes into taking out a home insurance policy if you want to get a good one. Home Insurance King takes on most of that work and leaves you with just the most relevant carriers to choose from, making your life much easier.

Since Home Insurance King isn’t a direct insurance provider, it doesn’t make up the coverage terms or any of the other policy stipulations involved. Rather, the home insurance provider that you work with directly will give you a breakdown of exactly what’s covered under your chosen policy and what isn’t covered. 

While Home Insurance King doesn’t directly dictate coverage policy, here are a few of the most commonly-covered areas with policies from the home insurance companies within its network of professionals:

• Property damage
• Liability insurance
• Personal property damage
• Renters insurance

Home insurance covers damages caused by the major hazards that are commonly referred to as perils. These can include:

• Fire
• Hailstorms
• Lightning
• Vandalism
• Smoke damage
• Vehicular or aircraft collision
• Riots or civil commotion
• Windstorms
• Ice, snow, or sleet damage
• Overflow of water or steam
• Freezing
• Volcanic eruption
• Short circuit damage

And a few more. Property damage covers the actual structure of your home as well as other structures on your property. This can include a storage container on the property or a decorative element you've installed. Property damage insurance also covers any extensions of your home, such as your garage or a porch deck.

Personal property damage insurance is also covered under the general policy, and that covers items that you own like jewelry, electronic equipment, and furniture. Liability coverage covers medical, legal, and other expenses you incur if someone is injured on your property.

Home Insurance King partners only with reputable home insurance providers that hold the highest ratings from AM Best. We’re talking about big names like Farmers Insurance, Liberty Mutual Insurance, and 21st Century Insurance.

Additional Coverage

In the same way that Home Insurance King does not define the terms of your standard home insurance policy, it also does not dictate the additional coverage available to you. However, all home insurance providers offer various types of additional coverage in the form of riders or additional policies that you can pay for. These will either cover additional items that aren’t covered under the standard home insurance policy or give you the option to increase the amount of coverage for a specific type of item you deem to be more valuable than the standard coverage amount.

Some of the things that are commonly included in additional coverage options from Home Insurance King partner carriers include:

• Fine jewelry
• Expensive computer equipment
• Heirlooms
• Works of art
• Additional personal property damage coverage

Application Process

Home Insurance King has a very fast online application process. In about a minute, you can fill out the entire form and receive instant quotes from the various providers in the home insurance network. The questions you will be asked are all basic information that most homeowners know about their home already, like:

• How old is your roof?
• Do you have any pets?
• What’s your state and zip code?

You can look through the rates quoted to you by the different insurance providers, and only get in touch directly with the ones that are appealing to you. You’re under no obligation to contact anyone unless you are interested in pursuing a contract with that provider.

If you choose one of the home insurance providers you received a quote from via Home Insurance King, the site will automatically direct you to the new insurance provider’s website. Here, you’ll fill out a more detailed application form, giving more information about your home and what type of coverage you’re looking for.

When all the information is clear, and you've approved the rate quote, you can have a contract signed and sealed in a short amount of time.

Discounts

All of the partner home insurance carriers within the Home Insurance King network offer customers discounts on their policies. There are a number of ways you can save substantially on your premium. While discounts will vary slightly from one provider to the next, some of the most frequently-seen home insurance discounts include:

• Multi-policy bundling
• New home
• No smoking
• Security alarm
• Safety devices (like smoke alarm or automatic shut off valves)
• No claims discount
• Seniors discount
• New wiring
• New home purchase
• Newly remodeled
• Eco-friendly homes

How Safe Is It?

Home Insurance King only works with businesses that hold an AM Best rating of A or A+. This is an industry-recognized symbol for financial stability. And what that translates into for homeowners is that all of these home insurance carriers are able to pay out in the event of a claim. That’s good news.

Home Insurance King itself takes security seriously. It has several measures in place to prevent the abuse or unauthorized access of personal information shared on the site. Additionally, Home Insurance King performs internal reviews regularly to maintain the integrity of its security systems.

Claims & Customer Support

Claims are handled directly by the individual home insurance company that you take a policy out with. Most carriers will have a dedicated phone line or email service that you can send claims to directly to speed up the process. Submitting a claim requires an initial claim submission, a report of the damage, any proof of damage you can provide, and a professional assessment. After that, you will receive your reimbursement or coverage according to your home insurance policy.

While you can work directly with the customer service of the insurance provider for questions regarding home insurance, Home Insurance King does offer its own customer support as well. There are several options, including phone, email, and even live chat (a rarity in this industry). Plus, Home Insurance King has loads of information on the website, so homeowners can conveniently learn more about the subject.

Summary

Home Insurance King is a good resource if you're looking for lower rates and an easier application process. The real beauty of using a service like Home Insurance King is that you can see multiple rate quotes side by side. This helps you get a better picture of what's available to you and helps you find a carrier that is willing to give you the lowest premiums for the most coverage possible. Home Insurance King lets you compare up to 12 different quotes, giving you a wide spectrum of options to compare and choose from.