Homestead Quotes

Home insurance, explained plainly

Home insurance went up 24%. When did you last check yours?

Most homeowners set up a policy when they buy and never look at it again. One licensed agent can compare several insurance carriers and show where a policy stands, on price and on coverage.

Get a free comparison See what has changed

One agent contacts you. Your request is never sold or passed to anyone else.

24%

Average rise in home insurance premiums across the country, 2021 to 2024

$648more per year for a typical homeowner
2xthe rate of inflation over the same years

Source: Consumer Federation of America, April 2025

1 in 3

people with home or car insurance have never shopped for a better policy.

Policygenius survey

47%

of homeowners say they do not know what their policy covers.

ValuePenguin survey of 2,000 homeowners

56%

did not know that a standard home policy leaves out flood damage.

Trusted Choice survey, 2024

Why compare

Four things most homeowners don't know about their policy

A policy can change at renewal without anyone pointing it out. These are the places where the surprises usually are.

$8,000

The storm deductible is often a percentage

Wind and hail deductibles are usually 1% to 5% of the home's insured value, not a flat amount. At 2% on a $400,000 home, the owner pays the first $8,000 of storm damage.

Source: United Policyholders, 2026

Roof coverage can shrink as the roof ages

Some policies pay the full cost of a new roof. As a roof gets older, some companies switch to coverage that pays less for age and wear.

Source: Texas Department of Insurance, 2026

Flood is not part of a standard policy

Flood damage needs its own coverage. More than half of people surveyed did not know that.

Source: Trusted Choice survey, 2024

Not every agent can compare

Some agents work for a single insurance company and can only offer that company's policies. An independent agent works with several.

Source: NerdWallet, 2024

One agent, several carriers

One conversation instead of a dozen phone calls

Many quote websites sell a request to several companies at once, and the phone starts ringing. We work with independent insurance agencies, and we send each request to one licensed agent who can check several carriers and explain the differences.

  • One agent only. A single licensed agent contacts you about your request.
  • Never resold. Your request goes to one agent and is never sold or passed on to anyone else.
  • A real person calls. No robocalls, recorded messages, or AI voice calls.
  • Free, no obligation. A comparison costs nothing, and what happens next is up to you.

How it works

1

Answer a few questions

A little about the home and the vehicles. It takes about a minute.

2

One agent compares carriers

Your request goes to a single licensed agent, who checks it against several insurance companies.

3

See where your policy stands

The agent walks you through price and coverage side by side. You decide what to do with it.

Find out where your policy stands.

A comparison shows what price and coverage are available today. It is not a promise of a lower price, and there is no obligation to switch.

Get a free comparison

One agent contacts you. Your request is never sold or passed to anyone else.

Who we are, plainly

Homestead Quotes is not an insurance company or an insurance agency, and we do not sell insurance. We connect homeowners who ask for a quote with a licensed agent who can provide one. The agency pays us a fee for the introduction. It costs you nothing.

Where the numbers come from