How to Get a Better Homeowners Insurance Quote in 2025

With premiums skyrocketing across the U.S., finding a reasonable homeowners insurance quote in 2025 has become more critical than ever. Many homeowners are shocked by renewal increases, often reaching double-digit percentages. However, savvy shoppers know that getting a better deal is possible—with the right approach.

Why quotes are changing:

The average homeowners insurance quote has increased by over 25% compared to last year. Insurers cite inflation in construction materials, labor shortages, and extreme weather as the primary causes. But these challenges haven’t stopped some homeowners from locking in lower rates.

«Many people don’t realize how much they can save by simply shopping around,» says Tara Lin, a senior advisor at CompareMyQuote. «Rates vary dramatically depending on the provider and your home’s unique risk profile.»

Top tips for lowering your homeowners insurance quote:

1. Shop annually: Don’t stick with the same insurer out of convenience. Comparison shopping every 12 months is essential.
2. Bundle policies: Combine your homeowners and auto insurance to earn discounts of up to 20%.
3. Increase your deductible: If you can afford a higher out-of-pocket cost in case of damage, your premiums will drop.
4. Improve your home’s safety: Installing smoke detectors, smart locks, or a home security system can reduce risk—and your quote.
5. Maintain a good credit score: In many states, insurers use your credit profile to determine premiums.

Before requesting a homeowners insurance quote, gather accurate details about your property, including square footage, year built, roof condition, and security features. This will help you get the most accurate quote possible.

Don’t fall into the renewal trap

Insurers often raise premiums automatically during renewal periods. Accepting the first quote without checking other options is a mistake. You could be overpaying by hundreds of dollars a year.

The key to finding the best homeowners insurance quote is being proactive. Take the time to review your coverage, compare offers, and make small upgrades. Your wallet—and your peace of mind—will thank you.