Home Insurance

Simplified Home Insurance Shopping

The Honest Flow

"How It Works"

Complete a short questionnaire about your property, allowing our verified agents to pinpoint your insurance needs.

2. Receive Our Tools

HonestFlow shoppers have access to our unbiased resources, including our "Questions To Consider" guide!

3. Get Your Quotes

Receive tailored quotes from our verified agents, and identify your best insurance options!

At HonestFlow, we believe that selecting the best insurance policy goes beyond finding the lowest premium; it’s about getting the right coverage for the best rate, and understanding what your policy actually covers. Shopping for insurance can be challenging, here's how we're making it better:

Verified Agents

HonestFlow partners with verified agents who are dedicated to evaluating your insurance needs and providing tailored insurance quotes!

Custom Preferences

HonestFlow shoppers have more control over their shopping experience. Shoppers decide how many agents to receive quotes from.

Shopping Tools

After requesting quotes, HonestFlow shoppers receive our "Questions To Consider" guide to help navigate conversations with their agents!

Shop with HonestFlow

Your Preferences. Verified Agents. Shopping Tools.

Shoppers We've Helped

Supporting New & Current Homeowners

New Homeowners

HonestFlow helps new homeowners find home insurance that's right for them. By working with our agents, find policies that satisfy lender requirements and meet your coverage and financial goals.

Custom Policies: Find coverage that meets lender requirements and is tailored to your needs.

Confident Coverage: Understand what your policy actually covers.

Compare Quotes: Select a policy that meets your insurance needs at the best rate!

Current Homeowners

Shopping at renewal is simple and effective with HonestFlow. Compare rates, ensure your policy accounts for market changes, and find coverage options that may suit you better.

Market Changes: The cost to rebuild your home can change, review your coverage at renewal.

Value & Improvements: Ensure your policy accounts for changes to your home.

Compare Quotes: Did your rate go up? Request quotes to find affordable coverage options.

Our Shopper Reviews

Real People. Honest Reviews.

Explore Our Resources

Designed For Insurance Shoppers

Home Insurance 101

Home Insurance Terms and Coverages

Key Terms

Premium

In simple terms, a home insurance "Premium" is the amount you pay to maintain active coverage under your home insurance policy. Premiums are derived from risk; higher risks translate to higher premiums.

Learn more about "Premiums"

Deductibles

A "Deductible" is the amount you pay out-of-pocket before your insurance policy begins to cover the cost of a claim. Deductibles are fundamental to your insurance policy because they directly affect your premiums and financial responsibility in case of a claim. 

Learn more about "Deductibles"

Perils

A "Peril" refers to specific risks or events your policy covers, such as fire, theft, or natural disasters. Understanding covered perils helps policyholders discern what is included and excluded from their coverage.

Learn more about "Perils"

Insured

The term "insured" includes individuals, groups, or entities protected against financial losses under an insurance policy. In home insurance, the named-insured is typically the homeowner, however coverage can extend to other members of the household.

Learn more about "Insureds"

Limit

In home insurance, a "limit" refers to the maximum amount your insurance company will pay for a covered claim. Understanding coverage limits is a fundamental aspect of your policy, as it dictates the maximum amount your insurance company will pay for a covered claim. 

Learn more about "Limits"

Endorsement

An endorsement in home insurance, also referred to as a 'rider' or 'add-on,' is a modification or addition to your standard home insurance policy. Endorsements enable customization of your coverage to better align with your specific insurance needs.

Learn more about "Endorsements"

Replacement Cost

Replacement Cost refers to the amount of money it would take to replace or rebuild your property with materials of similar kind and quality, without deducting for depreciation.

Learn more about "Replacement Cost"

Actual Cash Value

Actual Cash Value (ACV) is calculated by taking the replacement cost of the property and subtracting depreciation – the decrease in value due to age, wear and tear, and other factors.

Learn more about "Actual Cash Value"

Primary Coverages

Coverage A - Dwelling

Coverage A, also known as "Dwelling Coverage," is generally designed to provide financial safeguarding for the main structure of your home against a range of covered perils.

Learn More

Coverage B - Other Structures

Coverage B, commonly known as 'Other Structures Coverage,' is designed to safeguard structures detached from the main structure, such as detached garages or sheds, against damage from covered perils.

Learn More

Coverage C - Personal Property

Coverage C of the home insurance policy, also referred to as “Personal Property Coverage”, provides financial protection for the belongings of the insured.

Learn More

Coverage D - Loss of Use

Coverage D, also known as 'Loss of Use' or 'Additional Living Expenses (ALE)' coverage, provides financial assistance for extra living expenses if your home becomes uninhabitable due to a covered peril.

Learn More

Coverage E - Personal Liability

Coverage E, also known as Personal Liability Coverage, provides protection against legal liability for bodily injury or property damage that you or members of your household may inadvertently cause to others.

Learn More

Coverage F - Medical Payments

Coverage F, also known as Medical Payments Coverage, is designed to cover medical expenses for guests who sustain injuries while on your property, regardless of who is at fault.

Learn More

Key Endorsements

Dwelling Endorsements

Don't be on the hook for expensive repair costs. These endorsements extend coverage for the dwelling (the home's structure), and can provide cost-savings and peace of mind.

Learn more about "Dwelling Endorsements"

Ordinance & Law

This coverage is crucial for bridging the financial gap when mandatory upgrades are required to comply with building codes, potentially saving homeowners substantial amounts of money.

Learn more about "Ordinance & Law" coverage

Personal Property Replacement Cost

Personal property coverage may have coverage gaps, which can put policyholders at risk of paying for damages out-of-pocket. This blog will discuss one of these potential gaps, particularly the absence of replacement cost coverage for personal property.

Learn more about "Personal Property Replacement Cost" coverage

Scheduled Personal Property

A home insurance policy's Personal Property coverage (Coverage C) typically limits coverage for high-value items. The scheduled personal property endorsement, also known as personal property "riders," extends coverage limits for these high-value items.

Learn more about "Scheduled Personal Property" coverage.

Water Backup & Sump Pump Overflow

Home insurance policies may have coverage gaps leaving policyholders at risk for paying expensive repairs out-of-pocket. This endorsement addresses a specific type of water damage commonly excluded from home insurance policies, and how it can benefit certain homeowners.

Learn more about "Water Backup & Sump Pump Overflow" coverage

Service Lines

Home insurance policies may have coverage gaps that leave policyholders at risk of paying for expensive repairs out-of-pocket. This endorsement covers the costs of repairing or replacing damaged utility lines, which are typically excluded from standard home insurance policies.

Learn more about "Service Lines" coverage.

Excluded Perils

Many homeowners are surprised to discover that home insurance policies often exclude damage from certain natural disasters. Even worse, they may find out too late, leaving them on the hook to pay for significant repair costs out-of-pocket. This blog highlights commonly excluded natural disasters and options to cover them.

Learn more about "Excluded Perils"

Home Insurance FAQ's

Your Questions - Honest Answers

What makes up my premium?

Understanding the various factors that influence your home insurance premium is crucial for making informed decisions about your coverage. At HonestFlow, we identify four key areas that affect home insurance premiums: personal risk, property risk, policy details, and external factors. Did your rate go up? It might be due to one of these reasons.

See Blog: What Makes Up My Premium?

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How to save money on home insurance?

With home insurance rates rising across the United States, homeowners are looking for ways to reduce their insurance costs. In this blog, HonestFlow highlights three key areas to help lower home insurance expenses: preventing expenses, avoiding over-insuring, and effectively comparing quotes.

See Blog: How To Save Money on Home Insurance?

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Which deductible is best for me?

You may have heard that raising deductibles can lower home insurance premiums. While this is true, it may not be the best option for everyone. In this blog, HonestFlow explains how deductibles work, the types of deductibles, and how to identify your best deductible options.

See Blog: Home Insurance Deductibles

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When can I switch to a new insurance policy?

When it comes to home insurance, many homeowners operate under the assumption that it's best to wait until the renewal period to make any changes to their policy. However, this common misconception could be costing you more than you realize, both in terms of financial savings and sufficient coverage. In this blog, HonestFlow highlights why you might consider switching your home insurance policy sooner rather than later.

See Blog: Switching Policies

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What are the benefits of insurance shopping?

Each insurance company offers unique coverage limits, discounts, and rates, which makes insurance shopping essential for finding optimal home insurance at the best rate. This blog highlights the benefits of shopping for home insurance and how HonestFlow is helping shoppers find their best policy options.

See Blog: Benefits of Shopping

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Why is my premium going up if nothing changed!?

Many factors impact home insurance premiums; however, homeowners may be surprised by a rate increase even when nothing has changed with their property. This blog highlights external factors that may cause your premium to rise and what homeowners can do about it.

See Blog: Premium - External Factors

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How often should I review my home insurance policy?

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Home Insurance Blogs

"Why is my insurance premium going up?!"

"How to save money on home insurance?"

"Top 5 Home Insurance Mistakes to Avoid"

Empowering insurance shoppers.

HonestFlow connects insurance shoppers with multiple insurance companies and insurance agents across the United States. HonestFlow is not an insurance company, agency, agent, or broker, and does not provide insurance or brokerage services, or related advice or consulting services.  All site content, and information and/or materials provided and/or made available in connection with the services, is provided for informational purposes and personal uses only.  HonestFlow recommends consulting with a licensed insurance agent before purchasing or adjusting any insurance policy. All trademarks and copyrights are the property of their respective owners.

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