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Find home insurance in your state

Shopping for home insurance online shouldn't mean filling out the same form on five different carrier sites. Nsure is a licensed digital insurance agency in all 50 states. We compare homeowners insurance quotes from top-rated carriers in one search, so you see real options side by side and choose the one that fits your home and your budget. No cold calls, no hand-offs.

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Home insurance by state

We’re licensed in all 50 states. Find yours below.

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Real quotes, side by side

See real home insurance offers from real carriers, with coverage details included, not just the price. Coverage limits, deductibles, and what's included are all visible before you decide.

Get insurance online, on your schedule

Get your home insurance quote, compare coverage, and buy your policy entirely online, at whatever pace works for you. If you need help at any point, our agents are available by chat or phone.

Free to use, no carrier bias

Nsure earns a commission from carriers when you buy, the same model every licensed insurance agency uses. We are not compensated differently based on which carrier you choose. We focus on helping you find home insurance coverage that fits.

Why Nsure for home insurance online

Nsure is a licensed insurance agency with a producer license in all 50 states. We don't set terms or pay claims. We search the market, return real home insurance offers from top-rated carriers, and let you compare them.

Getting a homeowners insurance quote on Nsure takes a few minutes. You enter your home address, confirm the details we autofill from trusted sources, and review real offers from multiple carriers. No lengthy forms, no waiting for a callback.

Whether you search for home insurance online or house insurance online, the experience on Nsure is the same: one search, real offers, no pressure. You compare coverage options, adjust your deductible, and see how each choice affects your home insurance cost before you commit to anything.

The goal isn't to keep you with any single carrier. It's to keep you covered at a fair price. Nsure re-shops at renewal to make sure the rate you're paying still reflects what the market offers.

Home insurance policy types

Nsure provides access to several homeowners and residential property insurance policy forms, including:

  • HO-3 Homeowners Insurance – insurance policy for owner-occupied single-family homes.
  • HO-5 Comprehensive Homeowners Insurance – provides broader coverage than an HO-3 policy and is generally available for qualifying owner-occupied homes.
  • HO-6 Condo Insurance – designed for condominium owners.
  • HO-4 Renters Insurance – designed for tenants who rent a home, apartment, or condominium.
  • HO-8 Modified Coverage Insurance – designed for certain older homes.
  • DP-3 Dwelling Fire Insurance – commonly used for rental properties, investment properties, seasonal homes, and certain owner-occupied homes.
  • Landlord Insurance – designed for property owners who rent their homes to tenants.

How to compare home insurance online?

Most people compare home insurance by price alone, which means they're often comparing different coverage at different prices. On Nsure, every home insurance quote reflects the same property and the same coverage form, so the price difference you see is a real difference.

When coverage details are visible alongside the price, you can weigh what you're actually getting, not just what you're paying.

Why home insurance rates vary by state?

Where you live is one of the biggest factors in what you pay for home insurance. Carriers price risk by location: storm exposure, wildfire zones, flood history, and regional claims data all affect what coverage costs in your area.

State regulations also shape which carriers can operate in your market. Not every carrier writes policies in every state, so on Nsure your results are filtered automatically to show only carriers licensed and active where you live.

How do you know if your rate is fair?

Home insurance rates don't stay fixed. A rate that was competitive when you first bought your homeowners insurance policy may not be competitive today, even if nothing about your home has changed.

Nsure re-shops the market about 30 days before renewal and shows you updated home insurance quotes next to what you're paying now. If your current insurer doesn't renew your policy, we re-shop immediately so you have options before your coverage lapses.

Frequently asked questions

What does home insurance cover?

A standard homeowners insurance policy covers your home's structure, your belongings, and your liability if someone is hurt on your property. It also covers temporary living costs if a covered event makes your home uninhabitable. Home insurance coverage details vary by policy type, and Nsure shows you exactly what's included in each home insurance quote.

How much does home insurance cost?

Home insurance cost depends on your location, your home's age and construction, your deductible, and the coverage limits you choose. The most reliable way to know your homeowners insurance cost is to compare real quotes. Nsure searches the market and returns real home insurance offers so you can see what carriers actually charge for a home like yours.

How do I get home insurance quotes online?

Enter your home address on Nsure to get home insurance quotes online in minutes. We autofill details from trusted sources, you review and confirm, and real homeowners insurance quotes from multiple carriers appear side by side. Whether you're looking for a standard home insurance quote or want to compare house insurance online, the whole process takes a few minutes, no forms to mail, no agent to wait for.

Can I bundle home insurance with car insurance?

Yes. If you're also insuring a vehicle, Nsure shows your home and auto options together. That includes same-carrier bundles, where some carriers offer a discount for combining both policies, and separate-carrier combinations, where you pick the best home offer and the best auto offer independently. You'll see the full picture so you can decide which approach saves you more.

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