The cost to rebuild has moved
A dwelling limit set when you bought the house does not follow construction and labour costs on its own. Whether yours still reflects what rebuilding would take is a question worth asking out loud.
Home insurance
Your house changed. The policy on it probably didn’t.
One phone call connects you with a licensed insurance agent who can look at what your homeowners policy actually covers today and price the alternatives. There is no form on this page, and we never ask for your email address.
Free to call · Licensed insurance agents · No obligation
Three reasons homeowners pick up the phone
The policy renewed on autopilot
Homeowners policies roll over quietly, year after year, and most people meet theirs again only when something has already gone wrong. The renewal notice is not a review.
You have changed the house
A new roof, a finished basement, an addition, a pool, a wood stove, a home business, a long stretch with nobody in it. Each one changes what should be covered, and some of them change what you are charged.
How the call goes
There is no form on this page. The telephone is the whole funnel.
You call the number
It rings through to a licensed insurance agent or to one of our marketing partners. No queue form, no callback request, no waiting on an email.
You answer a few questions
Where the house is, roughly when it was built, the age of the roof, what you carry today. Your current declarations page is the single most useful thing to have in front of you.
You decide, or you don’t
If the agent can improve on what you have, they can take it from there. If they cannot, you have had your policy checked by somebody licensed to read it. Both are useful outcomes.
Worth asking about
Bring whatever you are unsure of. These are the things agents field every day.
- Dwelling coverage, and whether it reflects the cost to rebuild
- Replacement cost versus actual cash value — especially on the roof
- Personal property limits, and scheduling jewellery, tools, or collections
- Separate wind, hail, and hurricane deductibles
- Water backup and sump overflow, which is not standard
- Flood, which a homeowners policy does not cover at all
- Personal liability limits, and whether an umbrella policy makes sense
- Bundling the house with the cars, and what that actually saves
A note on what this site is
Your Home Insurance is an advertising and referral service. We are not an insurance company, an agency, or a broker, and we do not sell, solicit, or negotiate insurance. When you call the number on this page, you are connected to a licensed insurance agent or to one of our marketing partners, and they may compensate us for connecting you. That is how the site is paid for, and you should know it before you dial rather than after.
We cannot quote you, we cannot bind coverage, and we cannot promise a saving. What is available to you, at what price, is decided by the insurer, and it varies by state, by carrier, and by the house itself.
There is no form here and no newsletter. The only thing this page asks you to do is make a call, and the only information we ever hold is what you choose to give the agent on it.
Common questions
What does the call cost?
Nothing. The number on this page is free to call, you are not charged for speaking with an agent, and you are under no obligation to buy a policy at the end of it.
Is Your Home Insurance an insurance company?
No. Your Home Insurance is an advertising and referral service. We do not sell insurance, we do not set rates, and we do not decide who gets approved. Your call is connected to a licensed insurance agent or to one of our marketing partners, who can quote coverage from the carriers they represent.
Will my premium go down if I call?
We cannot promise that, and you should treat any site that does promise it with suspicion. Your premium is set by the insurer, using factors specific to you and to your state. Asking for a current quote is simply the only way to find out where you actually stand.
Why is there no form on this site?
Because we would rather you spoke to a person. A form collects your details and hands them on before anyone has answered a single question of yours. Calling puts the first question in your hands, and it means we are never holding information you have not chosen to give a licensed agent directly.
What happens to what I say on the call?
The information you give is used to quote and service your request, and may be shared with the licensed agents, insurers, and marketing partners who can help with it. Calls may be recorded or monitored for quality and training. Our Privacy Policy sets out the full picture, and Do Not Sell or Share is where you opt out.
Have somebody licensed read your policy.
A few minutes on the phone, and you will know whether the cover on your house still matches the house.
Free to call · Licensed insurance agents · No obligation