Dwelling
The structure itself — walls, roof, floors and attached fixtures — repaired or rebuilt after a covered loss.
Available in all 50 states
Home insurance that fits your house, priced by a real person.
One call connects you with a licensed agent who compares homeowners coverage options for your property and explains the differences in plain English. No forms, no obligation.
Call (888) 555-0142
Mon–Fri 8am–9pm ET · Sat 9am–6pm ET
Average call: about 8 minutes
- Licensed agents
- No obligation
- Free quote
By calling, you may be connected with a licensed insurance agent or one of our marketing partners. Calls may be recorded or monitored for quality. No purchase necessary. HearthGuard Home Insurance is a licensed insurance marketing service, not an insurer.
What a homeowners policy usually covers
Every carrier words things differently. Here is the shape of a standard policy, and the add-ons homeowners ask about most. Your agent will confirm what applies in your state.
Personal property
Furniture, electronics, clothing and everyday belongings, on or away from the property, up to your limits.
Personal liability
Legal costs and covered damages if someone is injured on your property or you damage someone else's.
Loss of use
Help with hotel, meals and extra living costs while a covered loss makes your home unlivable.
Common add-ons worth asking about
- Flood
Flood damage is excluded from standard policies and needs its own coverage.
- Water backup
Sump pump failure and sewer backup, a frequent and expensive claim.
- Scheduled valuables
Jewelry, art and collectibles above the standard sub-limits.
- Home systems
HVAC, water heater and appliance breakdown from mechanical failure.
Coverage descriptions are general summaries for information only. Actual terms, limits and exclusions are governed by the policy a carrier issues to you.
Three steps, one phone call
No multi-page forms and no waiting for an email. You talk to someone licensed, and you decide what to do next.
01Call the number
Reach us during business hours and tell us a little about your home: address, age, roof and current coverage if you have it.
02Speak with a licensed agent
The agent reviews options from the carriers available in your state and answers questions about limits, deductibles and discounts.
03Compare and choose
You see the differences side by side. If nothing fits, you walk away — there is never an obligation to buy.
Call (888) 555-0142
By calling, you may be connected with a licensed insurance agent or one of our marketing partners. Calls may be recorded or monitored for quality. No purchase necessary.
Why homeowners pick up the phone
Bundling that adds up
Most carriers discount home and auto together. An agent can price the pair instead of one at a time.
All 50 states
Coastal wind, wildfire, hail country or a city condo — we work with agents licensed where you live.
One conversation, not ten forms
Answer the questions once and let the agent do the comparison work for you.
Plain-English answers
Replacement cost versus actual cash value, wind deductibles, roof schedules — explained before you commit.
Discounts and savings vary by state, carrier and property and are not guaranteed.
What callers tell us
“I had put off shopping my policy for four years. The call took less than ten minutes and I finally understood what my roof coverage actually said.”
“The agent walked through the wind deductible line by line instead of just quoting a number. That alone was worth the call.”
“We bundled the house and both cars. No pressure at any point, and they were upfront that one option was not a fit for us.”
Illustrative examples for demonstration purposes. They are not verified customer testimonials and do not reflect any specific outcome, price or savings.
Questions homeowners ask
Talk to a licensed agent today
Have your address and your current policy handy if you have one. That is all it takes to get started.
(888) 555-0142Mon–Fri 8am–9pm ET · Sat 9am–6pm ET
By calling, you may be connected with a licensed insurance agent or one of our marketing partners. Calls may be recorded or monitored for quality. No purchase necessary. We are an insurance marketing service, not an insurer, and we do not guarantee coverage, rates or savings. See our Privacy Policy, Terms of Use and Do Not Call policy.