Insurance Optimizer
Compare home insurance providers to minimize premiums while maintaining adequate coverage.
Property Value
$625,000
Max potential savings: $450/year
State Farm
4.5
Best value with strong claims reputation
Annual Premium
$2,180
Coverage
$625K
Deductible
$1,000
Annual Savings
$220
DwellingPersonal PropertyLiabilityLoss of Use
Lemonade
Lowest Premium4.2
Lowest premium — higher deductible
Annual Premium
$1,950
Coverage
$625K
Deductible
$2,500
Annual Savings
$450
AI ClaimsInstant QuotesBundling Discount
Allstate
4.4
110% replacement cost coverage
Annual Premium
$2,350
Coverage
$688K
Deductible
$1,000
Annual Savings
$50
Extended CoverageIdentity ProtectionClaim Rate Guard
USAA
4.8
Top-rated service (eligible members)
Annual Premium
$2,050
Coverage
$625K
Deductible
$1,500
Annual Savings
$350
Military DiscountPremium ServiceNatural Disaster
Hippo
4.3
Smart home sensors included free
Annual Premium
$2,100
Coverage
$625K
Deductible
$1,000
Annual Savings
$300
Smart Home DiscountProactive MonitoringFast Claims