Homeowners Insurance
Standard dwelling coverage protecting the structure of your home — roof, walls and built-in systems — from covered perils.
★★★★★ Trusted by homeowners nationwide
Protect your home with
Protect your home with
coverage you can count on.
From your roof to your valuables, HearthGuard connects you with comprehensive home insurance from 20+ A-rated carriers — built around your needs. Speak with a licensed specialist and get a personalized quote in minutes.
- 20+ A-rated carriers
- Free, no-obligation quote
- Licensed in 50 states
Quote in 2 minutesWith a licensed specialist
4.9★ ratedBy real homeowners
What we cover
Comprehensive home insurance services
From standard homeowners policies to specialized protection, we help you find coverage tailored to your property, lifestyle and budget.
Fire & Hazard Coverage
Financial protection against fire, smoke, lightning and other unexpected hazards that threaten your property.
Water & Flood Damage
Coverage for sudden water damage from burst pipes, plus access to specialty flood policies for at-risk properties.
Storm & Wind Protection
Safeguard your home from hurricanes, hail and tornadoes with carrier-backed severe-weather coverage.
Personal Property
Replacement coverage for furniture, electronics, clothing and valuables — inside your home and while you travel.
Liability Protection
Coverage if someone is injured on your property, or you're responsible for damage to someone else's.
Loss of Use / ALE
Additional living-expense coverage for hotels, meals and temporary housing if your home becomes uninhabitable.
High-Value Home Coverage
Specialized policies for luxury homes, custom builds and properties with premium materials or unique features.
Bundled Home + Auto
Combine home and auto with the same carrier to simplify management and unlock multi-policy savings.
Why HearthGuard
Insurance that works for real homeowners
We're not a one-size-fits-all marketplace. Our licensed specialists compare offers from leading carriers to match you with coverage that actually fits your property and your life.
Independent & unbiased
We work with 20+ A-rated carriers — with no obligation to recommend any single insurer.
Personalized coverage
Policies tailored to your home's age, location and value — and your unique household.
Real human support
Talk with a licensed specialist — never an automated system — every time you call.
Fast claims advocacy
We help you navigate the claims process when life takes an unexpected turn.
Simple process
Get covered in three easy steps
No paperwork, no confusing jargon — just a quick conversation with a licensed specialist.
2
Share your details
Tell us about your home and what matters most. We compare top-rated carriers for the best fit.
3
Get protected
Choose the coverage that works for your family. Most policies can be activated the same day.
Peace of mind, guaranteed
Your home is your biggest investment. Let's protect it right.
One free call connects you with a licensed specialist who'll compare A-rated carriers and tailor coverage to your exact needs — no pressure, no obligation.
Real homeowners
What our customers say
”
★★★★★
The whole process was incredibly easy. I called, spoke with a specialist who actually listened, and had a quote within minutes. Highly recommend.
Jennifer M.Homeowner — Dallas, TX
”
★★★★★
After storm damage last spring, their claims team walked me through every step. I felt supported the entire time. Couldn't ask for better service.
Robert T.Homeowner — Tampa, FL
”
★★★★★
They explained my coverage in plain English. No pressure, no upsells — just honest guidance for my family's home. Exactly what I wanted.
Sarah K.Homeowner — Denver, CO
What does a standard home insurance policy cover?
Most standard policies include dwelling coverage (the structure of your home), personal property, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss. Specific terms vary by carrier and state.
How quickly can I get a quote?
In most cases, just a few minutes. Call (844) 348-5987 and a licensed specialist will gather a few details and compare A-rated carriers with you on the spot.
Do I need separate coverage for floods or earthquakes?
Usually, yes. Standard policies typically exclude flood and earthquake damage, but we can help you add specialty policies to fill those gaps if your property is at risk.
Can I bundle home and auto insurance?
Absolutely. Bundling home and auto with the same carrier often unlocks meaningful multi-policy discounts. Ask your specialist to compare bundled options for you.
Is there any obligation when I request a quote?
None whatsoever. Quotes are free and come with zero obligation. We're here to help you understand your options and make the choice that's right for you.
Free · No obligation · 50 states
Ready to protect your home?
Speak with a licensed specialist today and discover home insurance that's built around what matters most to you.