Home owners insurance
We take into account square footage, property value, and rebuild cost to help you find the right coverage. Our agents assess your home so you can feel confident you're protected in the event of a partial or total loss.
Homeowners Insurance
We help you keep everything safe at home - from your foundation to the things that matter most inside
We have your choice coverage
No two homes are exactly alike—and the same goes for insurance. At Goosehead, we compare policies from dozens of top providers to find the coverage that fits your needs and budget. Our expert agents help you understand what is and isn’t covered, and guide you every step of the way. Whether you own a mansion, a bungalow, or something in between, you’ll get the right coverage, right when you need it.
Water coverage
Water damage can lead to mold, structural issues, and costly repairs. Our agents help you choose the right level of protection to cover things like burst pipes, hidden leaks, plumbing backups, and foundation damage.
Umbrella coverage
Standard policies don't always cover everything. An umbrella policy adds extra protection for major claims and liability risks. Your Goosehead agent can help tailor coverage that goes beyond your homeowners policy.
Home Insurance FAQs
Homeowners insurance (also referred to as house or home insurance) is a policy a homeowner acquires to help pay for damages to their home after sudden, unexpected events (referred to as perils). It helps protect you financially when fires, thefts, or other events happen, so you don’t have to pay out of pocket to either repair or replace what’s been lost.
Yes, if you have financed your home through a mortgage lender, home insurance is required. Otherwise, there are no state laws requiring home insurance. Even if you’ve paid off your mortgage, home insurance is still strongly recommended because it can help ease financial burden after a covered loss.
Standard home insurance policies will cover:
- The physical structure of your home
- Personal belongings
- Liability (if someone is injured on your property or you damage someone else’s property)
- Detachedstructures (sheds, garages, fences, etc.)
- Expenses if youcan’tlive in your home after a loss
Specific perils that home insurance cover include:
- Theft
- Fire & Smoke
- Hail
- Liability Claims
- Certain severe weather or natural disasters
Additional endorsements or coverage can be acquired for your policy to cover:
- Water damage from backed up plumbing, sewers, or sump pump failures
- Specific natural disasters (earthquakes,floods, wildfires, etc.)
- Home equipment systemsthat were damaged from a covered peril(HVAC, water heaters, etc.)
What’s NOT covered by standard home insurance coverage:
- Water damage from flooding
- Damage from earthquakes
- Certain molds
- General wear and tear
In the United States, the 2025 national average cost for home insurance ranges from about $2,000 at the low end to $2,800 at the high end. This evens out to be around $167 to $233 a month. It’s important to note that these numbers reflect the national average, so rates in your area may look different because of this.
Rates will vary from state to state, and home to homebased on:
- Location-based risk factors
- Age, condition, and size of your home
- Coverage limits, additional coverage, and deductible amounts
- Claims history (either for you or the property)
- Rebuild costs
There are more factors that influence your rate, but these are the most prominent ones.
Because home insurance rates can vary, national averages may not accurately reflect the cost of homeowners insurance for your area.
However, Goosehead’s Quote Tool can show you how your rates compare to our current clients in your area.
If you’d like to get a quote specifically for your home, you can request quotes directly from Goosehead or call us at (833) 779-4090. You’ll be able to see comprehensive comparisons from carriers available in your area.
Getting home insurance is easy. There are a few different ways you can get a policy:
- Use Goosehead insurance:We make the comparisons for you and present you with the options that are available in your area. Once you pick the policy and price that fits your needs the most, we can help you bind the policy.
- Find a local agent:Many carriers have physical offices that you can go to or call to get a policy with a sales representative.
- Online:Carriers are also making self-guided options for you to get a quote and purchase a policy on their websites.
Homeowners Insurance
“Jordan secured homeowners insurance when two prior brokers failed for the historic, Art Deco home I am purchasing.”
Not just insurance protection,
Complete custom satisfaction
“PROFESSIONAL”
Amazing Insurance agent! Anna is extremely knowledgeable, professional and was able to help me find the right insurance carrier for my new home in minutes. Highly recommend Anna and Goosehead Insurance for your homeowner's insurance and car insurance needs.
“GREAT”
Anthony is great! He helped me every step of the way as a first time home buyer. His knowledge and experience helped me get the policies I needed and helped me understand exactly what I was getting. I look forward to referring friends to Anthony and Goosehead for all their insurance needs.
“ATTENTIVE”
Jasmine was attentive to our needs and was so helpful through the entire process of purchasing insurance for our first home. She was not only able to get us the best deal we could find, she also took time to explain everything to us, and even when we had a short timeline she got the job done.
“SECURED”
Jordan secured homeowners insurance when two prior brokers failed for the historic, Art Deco home I am purchasing on Miami Beach. By digging deeper, he was able to very quickly get to the bottom of the issues and work around them. I give him extreme kudos!
“PATIENT”
Kristine was patient, responsive, and incredibly helpful. She took the time to understand my needs, and tailored the coverage to my situation. I'd never really thought of home owners insurance as a living document that can grow and change as needed. Eye opening. thanks!
“GRATEFUL”
Markus listened to my needs and informed me of additional services I was unaware of. His up sales gave me the peace of mind that my home and contents would be covered. Markus is my go to for my future home purchases. I am looking forward to doing more business with this company.
“PLEASURE”
Mohamed was such a pleasure to work with, very patient, and was so helpful in providing me answers to any and every question. As a first time home buyer, he made the process a breeze and I'm so glad I was able to work with him!
“QUICK”
Sam was quick to respond to my initial request for a homeowner’s insurance policy quote. She walked through everything in the quote to ensure I understood it all and even gave me next steps. She was energetic, friendly, knowledgeable and professional. Ten star service across the board!
“TIMELY”
Sev answered all my questions in a timely manner, got the policy locked in at a price within my budget that covered everything needed, and sent to my lender so I could close on my house on time. Would recommend him to anyone who is looking for home insurance!
“EXCELLENT”
Honest and Professional. Can't thank Wes and his office for helping my husband and I with our Home and Auto Insurance. They provided us with excellent policies at highly competitive rates. And their service is second to none!
Homeowners Insurance by state, for you
Goosehead works with over 200+ Carriers across America. Giving you the coverage in your state, tailored to your needs. Select your state to learn more about Goosehead's home insurance coverage in your area.
50States
1,000Franchises
200+Carriers