Home Insurance

Start a homeowners insurance quote online

Get a home insurance quote and cover
your house & more

Rather speak with an insurance agent?
(877) 334-7646

What the heck does home insurance cover?

what is home insurance
Homeowners insurance protects you financially when bad things happen to your home. Things like:
  • Fires, lightning, and wind
  • Explosions
  • Vehicles crashing into your home
  • Theft or vandelism
  • Weight of ice, snow, or sleet
Home insurance provides coverage for structures like your house, toolshed, or gazebo. And for your belongings like your TV, washer/dryer, couch, electronics, etc. It could even help pay for a guest’s medical bills if they’re hurt on your property. Plus, you can add additional protection for things like jewelry, collectibles, and artwork. So it can pretty much cover your home AND all your stuff.

How to get the right amount
of home insurance

Standard homeowners insurance is made up of coverages and limits. So when thinking
about your homeowners coverage, make sure it can:

Protect Home

Protect your house … and your stuff.

Ideally, your dwelling coverage limits reflect your home’s rebuilding costs in case it’s leveled by, say, a fire. Same goes for personal property coverage and the value of all your stuff — use our inventory checklist.

Insurance Protection

Protect yourself and the people under your roof.

Say the plumber has a spill down the stairs. Yikes. Medical payments coverage can help cover medical bills. If they sue, liability insurance can help pay for legal fees. Ideally, your liability limits should equal your net worth.

Home Insurance Savings

Cover your living expenses

If your home needs to be rebuilt after something like a wildfire or hurricane, additional living expense coverage can help cover hotels, groceries, pet boarding, storage, etc., while you’re displaced from your home.

How to save on homeowners insurance

Just because your home costs a pretty penny doesn’t mean your insurance has to.
We actually want you to save money. Imagine that.
Home Insurance Discounts

Get the New Home discount.

If you’re moving into a new home, you could get a discount right off the bat. Seriously. There are more discounts too! And most are pretty easy to get.

Home Protective Devices

Protective Devices

Get a discount if your home has smoke detectors, fire alarms, burglar alarms or other qualifying devices.

Bundle Auto & Home

Bundle home with auto insurance.

It’s called a Multi-Policy discount. Bundle multiple insurance policies with the same company (like home & car or motorcycle), and you could save … BIG time.

We even make managing your
home policy easy

Online Insurance

Log in to your policy

Get policy status, request copies of your documents, print ID cards … it’s the whole paperless thing. Find your ID cards and take care of biz online. Now you’re the boss.

Get the mobile app

Make your policy mobile. Do most of you can do online, but also have a direct communication link with your agent. Just a few taps on your smartphone.

Compare insurance quotes online

We created ComparisonQuote.com so consumers can easily compare the rates of our excellent insurance carrier partners online, secure, fast, and always free.

Easy homeowners insurance
quotes and so much more

What are you waiting for? Get your quote to see how easy and
painless homeowners insurance can be.

Or call 1-877-334-7646 and let us help you out.

Homeowners insurance Questions?
We’ve go your answers.

How much homeowners insurance do I need?

First and foremost: estimate your house’s rebuilding cost. That’s about how much your dwelling coverage should be. A home appraiser can do a walk-through and determine how much it would cost to rebuild your home from the ground up.

Next, take an inventory of everything you own and how much it’s all worth — that’ll help give you an idea of how much personal property coverage you may want to consider.

Then there’s your liability coverage. Say someone’s injured on your property and sues. Liability can help can help pay for both medical and legal bills. Or if your kid’s stray baseball breaks a neighbor’s window, it could also help cover repairs.

You might often hear phrases like your “net worth.” That refers to the sum value of all your investments and everything you own. If you’re ever sued, all of these things might be at risk. But liability coverage can help protect them.

What do I need for a home insurance quote?

Getting a homeowners quote is actually very simple. Mostly what you’ll need are the basics — things like your address, marital status, purchase date, etc. You might also need your home’s square footage. Usually you can get that from your appraisal report, real estate agent, or on websites like Zillow and Trulia.

Other things that are helpful to know are your home’s safety features. Are there deadbolt locks on all exterior doors? Smoke alarms on every floor? What about burglar alarms or fire sprinkler systems? All of these could help you save money on your premium.

Why do I need homeowners insurance?

A homeowners insurance policy can provide a financial safety net in the event your home or belongings are accidently damaged. It usually covers other structures on your property like tool sheds or garages. It could also help with medical or legal expenses if someone gets hurt on your property. Plus, most mortgage lenders require you to have it. Most home insurance policies last for one year and renewal statements are sent out before the policy is set to expire.

What affects your home insurance rate?

Insurers look at many variables when calculating your premium. The basics include your home’s age, materials, and rebuilding cost.

There are also certain risks that can end up increasing your premium. These are what insurers call “attractive nuisances.” Think trampolines, swimming pools, and tree houses. They’re attractive in that they’re, well, attractive and fun. And they’re a nuisance because they can be dangerous, especially for young kids. The safer you make them (pool covers, fencing, and locks), the more likely you can help reduce their effect on your rate.

What isn’t covered by homeowners insurance?

The 2 main perils that aren’t covered by homeowners insurance are floods and damages caused by ground movements (earthquakes, mudslides). But separate coverage for either is available in most states — get a flood insurance quote through an IronPoint partner, just ask your agent.

Things like mold or termite damage are also typically not covered by home insurance. That’s because they’re considered maintenance issues, and maintenance is considered the homeowner’s responsibility. But there are exceptions. If the mold was the result of a burst pipe, then it might be covered. Why? If a burst pipe suddenly and unexpectedly wreaks havoc on your house, standard homeowners insurance could help cover plumbing repair and replacement bills up to the limits you choose for your policy. If termites chew through wires and cause a fire, your homeowners coverage could likewise step in to help pay for the damages since fire is also a covered peril under most policies.

How can I save money on my premiums?

Owning a home can be pricey. We get that. That’s why we work hard to offer you the best coverage at the best price. And we believe that homeowners who take initiative deserve to save. For example, if you’ve outfitted your home with security features (burglar alarms, smoke detectors, water safety systems), you could save on homeowners insurance.

Check out homeowners insurance discounts.

Location Address

Physical Address:
17901 Von Karman Ave, Suite 600
Irvine, CA 92614

Mailing Address:
PO Box 62436
Irvine, CA 92602

(714) 955-4132 - Local
(877) 344-7646 - Sales & Service
(760) 238-7116 - Agency Affiliation
(888) 316-4832 - Fax

Copyright IronPoint Insurance Services, LLC | California License No. 0G87821 | PO Box 62436, Irvine, CA 92602 | 877.334.7646

IronPoint Insurance Services, LLC is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California, Colorado, Nevada and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships.

IronPoint Insurance Services, LLC offers multiple insurance quotes through ComparisonQuote.com to provide consumers several options for their insurance products. We offer auto insurance through Travelers Insurance Companies, Nationwide Insurance, Safeco Insurance, MetLife Auto & Home, and Progressive. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent tries to charge you broker or agency service fees for representing these companies, please contact us immediately.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company, or Independence American Insurance Company, a Delaware insurance company headquartered at 485 Madison Ave. 14th Fl. New York, NY 10022.

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