Home Insurance

Better coverage, lower premium — and discounts your insurer won't tell you about.

Most homeowners have never re-shopped their policy. Carriers know it — and quietly raise premiums 5–12% per year with little explanation. Five minutes of comparison shopping with vetted carriers usually saves $200–$800/year for the same or better coverage.

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Hero Image
$612
avg. annual savings
12+
discounts to ask for
$1.2k–$3.6k
avg. annual premium
4.8★
Homeowner rating
Real talk

Why homeowners overpay

Insurance carriers stack “loyalty pricing” — quietly bumping premiums for long-tenured customers because they assume you won't shop. Re-quoting with the same insurer often unlocks new-customer pricing. We compare you across multiple carriers in one quote pull.

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What's included

What you get when you compare with us

Vetted pros, real pricing, and no high-pressure pitch.

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Dwelling, contents, liability

Standard HO-3 covers your home structure, personal property, and personal liability — but the limits and replacement-cost language vary wildly between carriers.

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Water, mold, sewer endorsements

Standard policies often exclude or sub-limit water backup, mold remediation, and sewer-line damage. We help you compare what's included vs. what costs extra.

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Replacement cost vs. ACV

Replacement-cost coverage rebuilds at today's prices. Actual cash value depreciates everything by age. Always go replacement-cost on dwelling and personal property.

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Discounts most homeowners miss

Bundling, monitored alarms, water shutoff, new roof, claims-free, paid-in-full, autopay, loyalty (yes, sometimes), pre-1980 retrofits, and more.

The difference

The Penny Stacker vs. door-knocker pricing

The Penny StackerTypical sales pitch
Multiple carriers, one form ✓ ✗
Replacement-cost vs. ACV breakdown ✓ ✗
Endorsement comparison ✓ ✗
Discount eligibility audit ✓ ✗
Real licensed agent (not bot quotes) ✓ ✗
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FAQ

Home Insurance questions, answered

How often should I re-shop my policy?
Every 1–2 years, or any time your renewal premium goes up >5%. Re-shopping is the #1 highest-leverage 30-minute activity in homeowner finance.
Will filing a claim raise my rate?
Almost always yes. Even a single not-at-fault claim can raise premiums 5–15% for 3 years. For damage under $2,000, weigh the long-term cost of filing vs. paying out of pocket.
How much coverage do I need?
Dwelling: full replacement cost (rebuild value, not market value). Personal property: 50–70% of dwelling. Liability: $300k minimum, $500k recommended, plus a $1M umbrella if you have assets.
Are flood & earthquake covered?
No — both are explicitly excluded from standard homeowners policies. Flood is purchased separately through NFIP or private flood. Earthquake requires a separate endorsement or policy and is essential in CA, OR, WA, and parts of MO/TN.
Money-saving guides

More on home insurance

Real, practical tips from homeowners and pros who don't take kickbacks.

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