Home insurance, on your terms
Build the exact policy
your home deserves.
Pick your coverages, tune your deductible, and see your price update in real time. No hidden fees, no waiting for a broker to call back.
Instant quote in 90 seconds
Transparent line-item pricing
Cancel anytime, no fees
Sample quoteHHI-0421
$78/mo
3-bed detached • $450k dwelling • Austin, TX
Base dwelling coverage
$41.20 Fire & smoke
$18.30 Theft & burglary
$9.10 Personal liability
$12.50Claim-free discount applied
-7%How it works
Three honest steps. No paperwork games.
Every input maps to a line item you can see. Every discount is called out.
01
Describe your home
Address, size, age, value. We use these to model risk fairly.
02
Choose your coverages
Toggle six coverages on or off. Adjust limits with a slider.
03
See a real quote
Live price with every line item exposed. Save it or activate it.
The standard bundle
Six coverages. Turn them on individually.
Fire & Smoke
Structural fire, smoke, heat
Theft & Burglary
Break-in and stolen items
Water Damage
Burst pipes, leaks
Natural Disasters
Storm, hail, wildfire
Accidental Damage
Everyday oops moments
Personal Liability
Third-party protection
Priced to be trusted
Every dollar accounted for. Every rule visible.
Our pricing engine is deterministic — the same inputs always produce the same quote. We show base premium, coverage add-ons, discounts, and taxes as separate line items so nothing is hiding.
- Base dwelling coverage — priced per $1,000 of value
- Add-ons — priced by dwelling value and limits
- Discounts — safety devices, claim-free history
- Deductible — pick your risk tolerance
Insured value
$625,000
Monthly
$94
Ready in ninety seconds.
Not ninety phone calls.
Get an itemized home insurance quote you can actually understand.