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Welcome to Free-Quote.ws a full service home insurance site. Our mission is to help you save money on your homeowners insurance policy. Learn how to set the correct coverage levels, what options to avoid, plus a whole lot more.

Whether you own a traditional house or a manufactured home, most likely it represents your largest financial investment. It makes sense to protect your investment with a Department of Insurance policy. It's your choice though since there isn't any laws requiring that you carry a home owner insurance plan. If you have a mortgage, home improvement loan, or other types of home loans, you'll likely be require to carry an insurance plan.

There are several types of home owners Insurance to consider. Our network includes carriers and brokers in all 50 states, You have access to policies designed to fit any special needs you may have and will easily fit within your budget.

Understanding The Basics

A homeowner shopping for insurance, will have two policy forms presented to them: homeowners and dwelling forms. The difference between them is that the homeowners form combines property coverage with liability coverage. Dwelling forms cover property losses only.  Both forms have the various peril coverage available.

Manufactured Homes require policy forms tailored to cover both the dwelling and it's contents.

Condominium policies are designed primarily to cover contents. However, there is a small provision included to cover the portions of the dwelling that are your insurance responsibility as defined by the governing rules of the condominium.

Renters have available to them coverage for their contents through their renters policy.

A home on a Farm or ranch, may not qualify for standard homeowners insurance. You'll  need a farm owners policy designed to  cover losses to your home as a result of tornadoes or hail. Additionally, a farm owners form provides coverage for both the personal and commercial exposure of farms, and contains both property and liability coverage.

It's important  to note that earthquake and flood policies typically need to be purchased separately, or placed on you Department of Insurance policy as additional endorsements, regardless of your dwelling type.

Free-Quote.ws is the ideal way to shop for insurance. It allows you to fill-out one, quick and easy to use, intuitive form in less than one minute and receive up to five best quotes offered by hundreds of insurance companies.

Free-Quote.ws is the ideal way to shop for home insurance. It allows you to fill-out one, quick and easy to use, intuitive form. In less than one minute and receive up to five quotes for you to compare.