Homeowners Insurance

Compare quotes side by side.

Whether you're a new homeowner or have lived in your house for years, we at Versured know how important your home is to you. Our software personalizes insurance quotes for you, no matter your age or background.

What is homeowners insurance?

Homeowners insurance (also called homeowners hazard insurance) protects your home, belongings, and family in the event of an accident. It provides standard coverage and optional coverage for owner-occupied, seasonal, or secondary homes, as well as coverage for surrounding structures, like sheds and garages.

Versured's system analyzes a large database of monthly rates and insurance policies to get you the best protection for your needs.

Is homeowners insurance required?

You are not legally required to have homeowners insurance once you have paid off your house, but it is always good practice to have homeowners insurance to protect your home and your belongings.

Without homeowners insurance, there is no way to guarantee the safety of your family, home, and belongings when accidents occur. Paying a monthly insurance fee for your safety and protection always feels better than that surprise bill for all of that damaged property.

Is homeowners insurance required?
Is homeowners insurance required?

What does homeowners insurance cover?

The insurance covers most types of damage depending on the A-to-F levels. There are six levels, which you can read more about in our article.

A
Dwelling coverage
B
Other structure coverage
C
Personal property coverage
D
Loss-of-use coverage
E
Personal liability coverage
F
Medical payments coverage

How much does homeowners insurance cost?

The price of homeowners insurance depends on where you live and your application. For example, the location and condition of the home, your credit score, your marital status, and the policy's discounts and deductibles can all affect the final price tag.

The insurance provider you choose also impacts the price of your homeowners insurance premium. That's why Versured compares insurance quotes from lots of insurance providers, so you get the best homeowners insurance rates.

How often should I change insurance policies?

It's a great idea to check your insurance rate every year to make sure you're getting the best price for your coverage.

That's why our agents regularly compare insurance quotes to make sure our customers don't break the bank for exceptional coverage.

Getting your homeowners insurance policy through Versured lets you seamlessly compare quotes from multiple insurers to find your perfect fit. It's a great idea to check your insurance rate every year to make sure you're getting the best price for your coverage.

How do I start shopping for homeowners insurance?

Versured’s agents will develop a custom policy based on your credentials and the type of coverage you are looking for.

We recommend homeowners look for these types of coverage in their new policy:

Extended dwelling coverage (the amount it costs to rebuild your home)
Personal property (the cost to replace personal belongings)
Liability (the cost to cover injuries and damages that occurred on the homeowner’s property)
Additional living expenses (reimbursement for your living expenses after the loss of an insured home)

Your dwelling coverage should equal the replacement cost of your house, which is the amount of money it would take to build a replica of your home. We highly recommend this as an important piece to look for when shopping for homeowners insurance.

Why should I buy online with Versured?

Purchasing insurance online is just about as convenient as you can get. Gone are the days when the only time you could get insurance was between 9 AM and 5 PM. You save a lot of time when you let Versured bring you the best of both
worlds—technology and insurance—into one great service: insurtech.

Insurtech combines convenience with the peace of mind that comes with having a licensed, experienced insurance agent review your needs. Versured's agents determine your liability exposure based on your individual case, because
no two insurance customers are the same.

What does Versured offer its members?

We provide standard and comprehensive policies that give you security, knowing that your belongings and home will be covered in the event of any damage.

We want to answer all of your questions and make sure that you stay educated on all things insurance. If you have any more questions, chat with us now.

At Versured, we are about the needs of our clients. We partner with the best firms to ensure that you are well taken care of. Getting you the right coverage is our highest priority.

Compare insurance quotes for free.

Instant. Simple. Smart.