(833) 892-2725Licensed agents · Mon–Sat, 8am–8pm ET
Homeowners insurance

Protect your home for less. Compare quotes in 3 minutes.

Tell us about your home once. Licensed agents and carriers in our network compete to insure it — free, with no obligation to buy.

FreeNo obligation(833) 892-2725
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Compare home quotes

Houses, condos and manufactured homes.

Enter your 5-digit ZIP code to continue.

or call (833) 892-2725 to talk to a licensed agent

100% free — you never pay MooseCoverNo obligation to buyEncrypted & never sold to spammers

Quotes come from licensed agents and carriers in our network. MooseCover is a referral service, not an insurer.

All 50 states + DCPartners matched to your ZIP
About 3 minutesOne form, several quotes
$0 to you, everOur partners pay for the intro
Licensed pros onlyAgents & carriers in your state
Insurance quotes Exit
Step 1
Prefer to talk it through?Licensed agents · Mon–Sat, 8am–8pm ET
(833) 892-2725
256-bit encryptionNo credit checkNever sold to spammers

How it works

Three steps. No phone tag, no paperwork.

1

Tell us about the home

Home type, address and whether it’s insured today. About three minutes, no documents or inspection.

2

We match you

Your request goes to licensed agents and carriers in our network that write homeowners policies in your state.

3

Compare and choose

They contact you with real quotes. Compare coverage and price, ask questions, and pick what fits — or walk away.

What happens next

Here’s exactly what to expect after you hit submit.

  1. now
    Your request is matched

    We send it to licensed agents and carriers in our network that serve your ZIP and profile. You’ll see a confirmation on screen.

  2. min
    You get a call or a text

    Usually within minutes, from a number with your area code. Answering it is the fastest way to lock in a rate.

  3. day
    Quotes arrive

    Real prices for real coverage, by phone or email. Ask questions, compare, take your time.

  4. you
    You decide

    Buy from whoever fits — or nobody. Tell any partner to stop and they stop.

Two ways to start

Online in three minutes, or on the phone with a person.

Woman at her kitchen table on the phone

Do it yourself, online

Answer the questions at your own pace — about three minutes — and let the agents and carriers we match you with come to you with quotes.

Start my quotes
Licensed insurance agent on a call

Talk to a licensed agent

Rather explain your situation to a person? Call and a licensed agent will walk you through coverage, discounts and what to expect.

Call (833) 892-2725

What moves your rate

What insurers actually look at when they price a home.

  • Rebuild cost, not market value. Coverage is sized to what it would cost to rebuild the house, not what you paid for it.
  • Roof age and materials. A newer roof is one of the most reliable discounts in homeowners insurance.
  • Location and claims history. Weather, wildfire, flood zones and past claims on the address all count.
  • Bundling. Home + auto with one carrier is usually the biggest discount on the table.
  • Buying soon? Lenders need proof of insurance before closing — you can get quotes from the address today.

Why MooseCover

Built to be simple, honest and free.

It’s free

You never pay us. The agents and carriers in our network pay for the introduction — and that never changes the price they quote you.

Licensed professionals only

Every partner who contacts you is a licensed insurance agent or carrier in your state. No call centers reselling your details.

Enter it once

The same questions every insurer asks, answered one time. No repeating your VIN and address on site after site.

Your data, protected

Encrypted in transit, shared only with the partners matched to your request, and you can tell any of them to stop at any time.

Questions

Good to know before you start.

I’m buying a home — can I get quotes before closing?

Yes. Choose “I’m buying it” on the ownership step; lenders usually need proof of insurance before closing, and partners can quote from the address.

Do you cover condos and manufactured homes?

Yes. Pick the home type on the first step and you will be matched with partners that write that type of policy in your state.

Will someone need to inspect my home?

Not to get a quote. Some carriers inspect after you buy a policy; the agent will tell you if that applies.

Who will contact me?

Licensed agents and carriers in our network that serve your area. You can tell any of them to stop at any time, and reply STOP to any text.

Start with your ZIP code.

Free, no obligation, about three minutes — or call (833) 892-2725.

Get My Quotes