- Free service to use
- Instant results from multiple providers
- No commitment
- No information on the website
- Not an actual insurance company
- Only the partners in the network are available to you
Variety of coverage options
Full coverage for natural disasters, personal property damage and loss, theft, and structural damage
Customizable rates and services
Fully customizable plans and rates with the option to buy fully online or with the help of an agent
Online experience and customer support
Basic site with evening and weekend customer service available
Within 1 day
Marketplace with only external links to insurers
HomeInsurance.net is suited for people looking for multiple home insurance price quotes quickly. And we're talking fast. When we used the system, we were able to get seven home insurance matches in less than ten seconds. The online system makes it easy to get quotes fast, and the simple application process means your request is processed, and results returned within seconds no matter who you are or what time of day it is.
What Coverage Includes
To be clear, HomeInsurance.net is not a home insurance provider. It is a search engine that helps homeowners find insurance companies that fit their situation (i.e., work in your area, work with your type of credit, have the insurance policy you’re interested in). HomeInsurance.net works together with some major home insurance companies like Lemonade, Blue Sky Insurance Solutions, and InsureSquare.
What home insurance covers can vary slightly from one policy provider to the next, but it’s not going to be a big difference. What can vary is which type of policy you choose to take or what’s available to you. Your should discuss the various options that are suitable for your situation with the potential home insurance companies. Bear in mind that HomeInsurance.net does not determine what is covered by your policy. So, while it cannot guarantee terms, here is what many partners like Lemonade cover with their standard home insurance policies:
This includes any damages done to the physical structure of your home.
- Other structures
This covers damages done to other parts of your property, including additional structures such as work or storage sheds, treehouses, and gazebos, fences, driveways, and more.
- Personal property
This includes anything that belongs to you. It covers the entire value of your belongings, including furniture, electronics, clothing, and more.
- Personal liability
Personal liability coverage takes care of any expenses that you incur in the event that someone else is injured on your property. It covers legal and medical costs.
- Loss of use
In the event that you need to vacate your home for a period of time in order for repairs to be made, the insurance policy will cover all types of expenses, including food, clothing, and supplies. It will also cover a hotel or rental home during your stay away from home.
- Medical payments to others
Some policies will also include medical bill coverage that is not included in personal liability coverage.
In terms of damages that are covered, most standard policies will cover damages that occur from the following 16 “perils”:
- Fire and lightning
- Wind and hail
- Riots or civil commotion
- Aircraft damages
- Vehicular damage
- Smoke damage
- Volcanic eruption
- Falling objects
- Accidental discharges or overflow of water or steam
- Sudden and accidental tearing apart, cracking, burning, or bulging of your home’s structure
- Freezing pipes
- Damage caused by excessive weight of snow, sleet, or ice
- Sudden and accidental damage caused by artificially-generated electrical current
There’s also renters insurance for people who are renting rather than owning their own homes. This policy covers a tenant’s personal property in the event of fire, vandalism, or theft.
As with the coverage terms of your policy, HomeInsurance.net does not decide what type of add-ons or riders you can get together with your policy. This is decided by individual insurance companies. But there are some general riders and add-ons that most reputable home insurance providers offer their clients. Some additional coverage riders can include coverage for items like:
- Musical instruments
- Expensive cameras
- Bikes or other sporting equipment
- Fine art
- Expensive or antique jewelry
- Family heirlooms
Some additional riders include:
- Accidental damage of an item
- Theft anywhere in the world
- Lost of specific items
- Natural disaster insurance
HomeInsurance.net has a simple application process that takes less than a minute to fill out. Then, you’ll get home insurance company suggestions that fit your requirements. You can choose to reach out to them, or these companies can reach out to you for individualized price quotes for insurance policies. It’s a 1-2-3 process:
Step one: Fill out the questionnaire:
Go to the HomeInsurance.net website and start the application process by answering a few questions. You'll be asked questions, like do you currently have insurance on your home, what type of home you want to insure (single-family, duplex, etc.), how you use the property being insured (primary, secondary residence, etc.), your current address, and how old your home is.
Step two: Get results
Next, HomeInsurance.net will match you up with suitable home insurance providers from within the network. The drawback to this kind of system is that you are limited to the service providers that partner with HomeInsurance.net. HomeInsurance.net does work with a number of reputable home insurance companies, though, so that's not really a problem.
Step three: Get in touch to get quotes
Lastly, you'll get in touch with the home insurance partner that looks right for you (or multiple ones for better price comparison). You're not committed to taking out a policy, even after you've received your customized quote. So, it's worth exploring your options.
As with the other aspects of your home insurance service, discounts will vary from one brand to the next. Some of the discounts made available through HomeInsurance.net partners include:
- Auto insurance bundle discount
- Burglar alarm discount
- No-claims period discount
- Gated community discount
- Senior citizen discount
- Married discount
- HOA discount
- New homeowners discount
How Safe is it?
HomeInsurance.net is under the umbrella network of Assurance IQ, a well-known corporation that develops platforms to help consumers find personalized insurance solutions. Assurance IQ’s parent corporation is Prudent Financial, which has an A+ AM Best rating. All of this adds up to one thing: a strong financial backing, making this a safe bet for insurance purposes.
Additionally, HomeInsurance.net states on the site that it takes “reasonable administrative, technical, and physical safeguards” along with several other security methods to keep your information safe.
Claims & Customer Support
HomeInsurance.net doesn’t handle your claims and coverage directly. That is handled by the individual insurance company that issues your policy. So, you’ll have to be in touch with them directly to get assistance. How this process works will vary from one company to the next, but the top home insurance providers will provide dedicated and fast service (sometimes an exclusive line that is open 24/7) so that your claim is processed quickly.
HomeInsurance.net customer support can be reached with the following methods:
10500 NE 8th St
Bellevue, WA 98004
HomeInsurance.net is a free search engine that can give you multiple leads on reliable home insurance providers. The online application form is quick and easy, and you get a big list of options instantly. We like that you get so many choices; other insurance marketplaces limit you to one or two providers. One thing we’d like to see more of are helpful articles or home insurance provider reviews like you find on many other price comparison sites.