Home Insurance Quotes — Rebuild-Cost Protected.
A single house fire averages $78,000 in damages. CoverShield agents quote homeowners, renters, condo, and flood policies from A-rated US carriers in one call — and make sure your dwelling limit matches today's rebuild cost, not yesterday's market value.
Average wait time: 12 seconds · Mon–Fri • English-speaking US agents
- Homeowners (HO-3) & condo (HO-6)
- Renters insurance from ~$12/month
- Fire, flood, theft & liability
- NFIP and private flood policies
- Replacement-cost rebuild calculator
- Same-day binder for closings
Why Americans Call CoverShield First
We compare top-rated US carriers in one call, so you don't waste hours on quote forms.
Rebuild-Cost Calculator
Most homeowners are underinsured by 20–30%. We pull live construction costs for your ZIP and right-size your dwelling limit on the call.
Flood + Earthquake Add-Ons
Standard policies exclude flood and quake. We write NFIP, private flood, and DIC policies as part of the same conversation.
Closing-Day Binders
Buying a home this week? We bind coverage same-day and email proof of insurance straight to your title company.
Renters Coverage
From ~$12/month for $30K of belongings + $100K liability. Required by most landlords — and one of the cheapest insurance products you can buy.
Bundle & Save
Bundle home with auto in one call and most carriers stack a 15–25% multi-policy discount on top of new-customer rates.
Claims Coaching
If you ever have a claim, call us first. We help document the loss and push the carrier — at no extra cost.
Common Questions
Answers Before You Call
How do I get an instant homeowners insurance quote?+
Call CoverShield. A licensed agent will quote homeowners, renters, and condo policies from top US carriers in about 90 seconds — no online forms required.
What does homeowners insurance cover?+
Standard HO-3 policies cover the dwelling, other structures, personal belongings, loss of use, liability, and medical payments. Flood and earthquake are separate add-ons.
Is flood insurance included?+
No — flood is never included in a standard home policy. We write NFIP and private flood policies as a separate add-on at the same call.
How much homeowners insurance do I need?+
Enough to fully rebuild your home at current construction prices (not the market value). We pull replacement-cost estimators on the call.
Will my home insurance cover a house fire?+
Yes. Fire is the most common HO-3 covered peril. We make sure your dwelling limit matches today's rebuild cost — averaging $78,000+ in damages per fire.
Do you offer renters insurance?+
Yes. Renters policies start around $12/month and cover your belongings, liability, and temporary housing if your unit becomes unlivable.
Still have questions? Ask a licensed agent.
No forms, no spam. One call, real answers.