We connect homeowners with licensed agents who can review options for your property.
Answer a few quick questions to see your home insurance options
Call us with your property details
We connect you with a licensed home insurance agent
Review coverage options and rates that fit your home
No. SmartHomeInsure is a referral service. It is not an insurance company, broker, or licensed agent, and it does not provide quotes, underwrite policies, or make coverage decisions. When you submit the form you may be connected with a licensed insurance agent who can review home insurance options with you.
Most homeowners policies include dwelling coverage for the structure, other-structures coverage, personal property, loss of use if you cannot live in the home after a covered loss, and personal liability. Exact coverage, limits, and exclusions vary by insurer and policy, so it is worth reading the policy documents with an agent.
Standard policies commonly exclude flood and earthquake damage, and may limit coverage for things like sewer backup or high-value items. Separate or add-on coverage is often available, and requirements differ by state and location.
Replacement cost coverage pays to repair or replace damaged property without subtracting for depreciation, up to your policy limits. Actual cash value coverage pays the depreciated value of the item at the time of loss. The choice can significantly change what you receive after a claim.
Insurers typically consider the home’s location, age, size, construction, and roof condition, your coverage limits and deductible, claims history, and in many states a credit-based insurance score. Rates are set by each insurer, not by SmartHomeInsure.
Some insurers offer discounts for features such as monitored security systems, smoke and water-leak detectors, or smart thermostats. Availability and discount amounts vary by insurer and state, so ask the agent which devices may qualify.
Yes, agents in our network can discuss coverage for single-family homes, condos, townhomes, and rental properties. Condo owners, renters, and landlords generally need different policy types than owners of a detached home.
No. Submitting your information and speaking with a licensed agent is free and carries no obligation to buy. SmartHomeInsure may receive compensation from its agent and provider partners for referrals.