Combine your home and auto insurance through Newline Life and enjoy an average savings of $655

Interested in comparing quotes for home insurance? You might want to bundle your home and auto insurance quotes for potential cost savings.

Combine your home and auto insurance through Newline Life and enjoy an average savings of $655

Interested in comparing quotes for home insurance? You might want to bundle your home and auto insurance quotes for potential cost savings

Homeowners Insurance

Homeowners insurance serves as a crucial asset in safeguarding both your home and cherished ones. When you’re in the process of acquiring homeowners insurance, it’s important to ensure that you’re securing a competitive rate. Newline Life is here to assist in this regard. We diligently search and compare home insurance quotes from reputable carriers, tailoring the coverage to suit your budget effectively.

What is the price of homeowners insurance?

The cost of home insurance is influenced by various factors, such as:

  • Your ZIP code
  • The age and state of your home
  • The condition of your roof
  • Your policy limits and the types of specified (or unspecified) risks mentioned in the policy

In states prone to heightened risks from natural disasters, the average home insurance expenses tend to be higher. However, it’s feasible to locate cost-effective home insurance options without compromising on coverage or increasing your deductible. The key is to compare rates, including the option of bundling home and auto insurance.

Average Home Insurance Rates

The average rates for home insurance can differ significantly based on the state or even specific ZIP codes. The provided rates represent the average monthly homeowners insurance rates for customers of Newline Life. Opting for a bundle of home and auto insurance coverage can result in cost savings, whether you’re a new customer or considering a change. Obtain your free home insurance quote today.

Average Home Insurance Rate Average Multi-Home Insurance Bundle Rate Average Home and Auto Insurance Bundle Rate
$120.00/month
$112.00/month
$277.00/month

What factors influence your home insurance premiums?

The average cost of home insurance varies for each individual, as it is influenced by various factors. These factors that impact home insurance premiums may comprise:

  1. The geographical location of your home
  2. Your selected deductible amount
  3. The condition of your roof
  4. Your credit score (in most states)
  5. Your claims history
  6. Age of your home
  7. Any renovations completed on your home
  8. The estimated replacement cost of your home
  9. Home security systems and safety features

Combine Home Insurance and Enjoy Saving!

One effective method for reducing home insurance expenses is to consolidate your insurance policies through bundling. Combining your home and auto insurance can bring about not only cost savings but also various other advantages. Dealing with a single carrier instead of multiple ones streamlines the process, making claims more convenient and efficient. On average, Newline Life helps customers save $655 when they bundle their home and auto insurance.

Here are different types of insurance bundles:

  1. Home and Auto Insurance Bundle: By bundling your home and auto insurance, you maintain separate policies but receive discounts for purchasing coverage from a single carrier.

  2. Home and Umbrella Insurance Bundle: This bundle allows you to purchase coverage to protect both your home and yourself from liability in case of accidents or injuries on your property.

  3. Home and Toy Insurance Bundle: If you own multiple recreational vehicles like RVs, jet skis, or ATVs, bundling them with your home insurance can result in cost savings by insuring them under a single policy.

  4. Home and Natural Disaster Insurance Bundle: If you reside in an area prone to natural disasters like wildfires, flooding, mudslides, hurricanes, or severe weather, bundling your home insurance with additional disaster coverage may be necessary.

  5. Multiple Home Insurance Bundle: Bundling can lead to significant savings if you need insurance for multiple homes, such as a vacation home or rental property. This type of bundle can help reduce overall insurance costs.

Types of Homeowners Insurance Coverage

There are several types of home insurance coverage to protect your home, including:
Type of Homeowners Insurance Coverage What This Coverage Protects...
Dwelling
Dwelling coverage should cover the cost it would take to rebuild your home, also known as your home’s replacement cost, in the event it was destroyed. Dwelling can also cover garages and other detached structures on your property.
Personal Property Coverage
This covers belongings such as furniture, electronics, clothing, equipment and more if they were damaged.
Personal Liability
Personal liability protects you and your family financially from expensive lawsuits if you or residents of your household are legally responsible for someone else’s property damage or bodily injury.
Uninsured/Underinsured Motorist Protection
If you are hit by a driver with no insurance or adequate coverage, this type of coverage pays for medical expenses, rehabilitation and funeral costs for you and any other passengers in your vehicle. It also pays for the settlement of any lawsuits as a result of the uninsured, underinsured or hit-and-run driver. Some states require this type of coverage, while other states consider it optional.
Loss of Use & Additional Living Expenses
This coverage type pays for your housing, meals, animal boarding and other expenses (up to a specified limit) if you are unable to stay in your home due to an uncontrollable event.

Homeowners Insurance Coverage:

Home insurance provides coverage for costs you could incur from:
  • Fire
  • Water damage
  • Theft
  • Damage from weather
  • Leaking, frozen and burst pipes
  • Personal injury occurring on your property

What does homeowners insurance NOT cover?

Home insurance won’t provide coverage for costs you could incur from:
  • Damage from normal wear and tear
  • Damage as a result of neglect
  • Damage from natural disasters such as earthquakes and floods that typically require a separate insurance policy
  • Water/sewage backup (although coverage can be added at an additional cost)
Umbrella insurance is a way to safeguard yourself and your assets when an accident occurs and you’ve exhausted the limits of your home insurance and auto insurance.
Renters insurance typically covers liability and personal property, which can help pay to replace your belongings if they’re stolen or damaged by a covered risk. Many landlords and properties require renters to have rental insurance.
While your condo association’s master policy will cover the damage that happens to your condo’s building, grounds or other external features, condo insurance will make sure your personal possessions, appliances and other pieces of the unit are protected.
Since flood damage is often not covered under standard home insurance policies, flood insurance will cover direct physical loss from floods and losses resulting from flood-related erosion. It will also help cover the costs of repairs or replacing belongings such as clothing, furniture, electronics and more.
Since damage from an earthquake isn’t typically covered under home and renters insurance policies, earthquake insurance can cover harm to your house, personal belongings, and additional living expenses (ALE) or loss of use, which are the costs to live somewhere else if you have to evacuate or repair your home as a result of an earthquake.
RV insurance covers many of the risks auto insurance does, including collision, comprehensive and liability coverage. You can also purchase additional protection for personal belongings on board, equipment and attached accessories such as awnings and satellite dishes.
Boat insurance insures your boat against damage and loss caused by common risks such as sinking, fires, storms, theft and collision.

Hold on! Check out Quotes Online

Life Insurance

The necessary protection at a price within your budget,

Auto & Home Insurance

We'll locate the most competitive price within your region.

Medicare Insurance

Discover an ideal plan to address the gaps in your Medicare coverage.