EverQuote Home Insurance Services

EverQuote is an online home insurance comparison tool that connects consumers to home insurance agents. In addition to home insurance, EverQuote lets users compare auto insurance, renters’ insurance and life insurance. Keep in mind, customers that purchase multiple policies in a bundle may save more money overall than purchasing a single policy.

Obtaining a quote for homeowners insurance through EverQuote is a very straightforward process. First, you’ll need to fill out a short survey on the EverQuote site. Some of the questions in the survey ask for personal information like your name and contact info, property type, and the square footage plus value of your home. Finally, EverQuote processes your information and connects you to insurance agents, where you compare rates and pick the coverage that works best for you.

It is free for users to browse the EverQuote site and connect with agents. Instead of a subscription service, EverQuote makes money from the insurance companies paying a fee for the referral.

The average annual cost of policies through EverQuote is $1,192 a year, but the cost of your home insurance policy varies based on several factors:

• The size of your home
• The state you live in
• Your credit score
• Number and cost of claims in your area
• Your chosen coverage levels

The most basic home insurance policies from EverQuote cover 16 types of damage. Comprehensive policies cover almost anything except specific exclusions mentioned in the contract. The 16 types of damage covered by basic home insurance are:

• Civil unrest
• Vandalism
• Smoke
• Explosions
• Wind and hail
• Fire and lightning
• Aircraft
• Theft
• Volcanic eruption
• Falling objects
• Snow or ice caving in the roof
• Water damage
• Tearing, bulging or cracking
• Freezing in the pipes
• Fire or lightning
• Damage from artificially generated electrical current

One way to save money is to shop around. EverQuote helps by connecting you to multiple home insurance companies.

EverQuote's results also show you if a policy offers discounts for home alarm systems or smoke detectors. Since this makes your home safer, many companies lower your premium.

Other standard discounts include senior discounts or loyal customer discounts.

We recommend EverQuote to anyone looking for homeowners insurance. By comparing home insurance companies, you can save money in the long run. The site also helps you find local agents who understand the most common problems in your area. With a wide array of home insurance policies to choose from, you’re more likely to get an insurance policy that works for you.