Compare homeowners insurance from local independent agents.
21,732 independent agencies nationwide write homeowners insurance. An independent agent compares homecoverage from multiple carriers to fit your coverage and budget, not just one company’s price. Tell us what you need once and we connect you with a licensed agent near you.
What homeowners insurance can cover
- Dwelling coverage
- Other structures (garage, fence)
- Personal property
- Personal liability
- Loss of use / additional living expenses
- Scheduled valuables (jewelry, art)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Homeowners insurance by state.
Pick your state to see local independent agencies and request quotes.
Independent agent vs. captive agent vs. buying direct
What's the difference between an independent insurance agent, a captive agent, and buying online direct — and when each one helps you most.
Read the guide →Frequently asked questions
Does homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood damage. Flood coverage is purchased separately — an agent can walk through whether your location calls for it.
Why do coastal or higher-risk homes get special attention?
Wind, wildfire, and coastal exposure can affect carrier appetite and deductibles in some areas. Independent agents know which carriers write in your area.
What if my home is older?
Older homes can raise questions about roof age, wiring, and replacement cost. An agent can help document updates so carriers rate the home fairly.
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.