Auto Home Insurance Quotes: Home and Auto Insurance Quotes Side by Side

Updated November 11, 2026

How do I get car and home insurance quotes? How do I compare home and auto insurance companies? To compare home and auto insurance quotes, get written quotes for the same coverage from at least three companies, priced bundled and separate, using your current declarations pages. Then line each quote up next to your current policies, coverage by coverage, and compare yearly totals.

A PolicyVera guide. You just want to know if you're overpaying. You want to compare quotes without having to talk to a bunch of insurance agents. And your info shouldn't go anywhere you don't want it to. PolicyVera is a free insurance-shopping marketplace where you compare quotes across carriers, coverage and price side by side with your current policy, from licensed local insurance agents you pick, on the site or inside your AI assistant. Only the agents you pick get your request, and insurance agents are not allowed to call, text or email you outside PolicyVera until you accept them as your new agent. PolicyVera is paid by insurance agents, not by you.

Using an AI assistant? It can make the quote request for you, in the chat. The steps for ChatGPT, Claude, Gemini, Perplexity and Grok: policyvera.com/connect.

Below are the six steps, which companies to ask, and what changes when you're buying a house.

The six steps

1. Gather what home and car insurance quotes need

Start with your current declarations pages: they hold most of what home and car insurance quotes need. A declarations page is the summary page of a policy. It lists your coverages, dollar limits and deductibles; on a car policy, it also lists each car and its VIN (vehicle identification number).

Felt puppet comic. A woman staggers under a towering stack of papers while a detective plucks out two sheets: "Just the declarations pages." She sighs, "Oh, thank goodness."

Your current declarations pages hold most of what home and auto quotes need.

For the home, the agent or company will usually ask for:

  • the address, the year it was built, the square footage and what it's made of (brick, siding, stucco);
  • the roof's type and age, and the age of the plumbing, wiring and heating;
  • updates like a new roof, alarms, and how far it is to the fire department and the nearest hydrant;
  • a pool, a trampoline or a dog, and your lender's name if there's a mortgage.

The real estate listing or appraisal may have many of these details.

For the cars, have ready:

  • every driver in your home: license number, age, and accidents and tickets in the last three years;
  • every car: year, make, model and VIN (it's on the title or registration), the odometer reading and any lender;
  • how each car is used, and its miles a year.

List everyone in your home who drives. If a driver is left off and then has an accident, the company could cancel or not renew the policy, or charge more.

2. Set the home's coverage at what it would cost to rebuild

Ask for dwelling coverage equal to what it would cost to rebuild your home, not what you paid or what it would sell for. A home's market value includes the land, and home insurance doesn't generally cover the land. Rebuilding can also cost more than the home's market value, Washington's insurance office notes.

Each company estimates the rebuild cost with its own formula, so quotes can come back with different dwelling amounts. Line them up at the same amount where you can, and ask any company that differs why. In California, if the company or agent gives you a rebuild cost estimate, you get a copy when you buy.

Don't trim this number to lower the price. If your dwelling coverage drops below 80% of the full cost to rebuild, the company may pay less on a claim (NAIC).

3. Ask for auto and home insurance quotes for the same coverage, bundled and separate

Ask every company for the same coverages, limits and deductibles, and give each one the same accurate information. From each company that sells both, get three prices: the home alone, the car alone, and both together. That shows what the bundle discount is worth, and whether one company's home price plus another's car price costs less. (Home and Auto Insurance: Should You Bundle? weighs that choice.)

Felt puppet comic. At a checkout, one cart holds a toy house and car tied with a bow tagged "Bundle" and the other holds them loose. A detective with a calculator says, "Add them up both ways."

Get quotes bundled and separate, then compare the total.

Get at least three quotes, in writing. Some agents represent more than one insurance company and can quote several. Some quote sites let you fill out one form and get quotes from several companies, and some send what you type to an agent in your area, so read the consent text under the button before you submit.

4. Line each quote up next to your current policy

Put each quote next to your current declarations page, coverage by coverage, then compare the yearly totals. The NAIC's tip for online car quotes: "If all the quotes do not have matching coverages/limits, contact the companies and ask for a revised estimate using matching coverages/limits."

Felt puppet comic. A woman holds up a new home quote and a new auto quote and tells her sweating renewal envelope, "Let's line you up. Side by side."

Line each new quote up next to your current policy, coverage by coverage.

For the home, compare:

  • the limits for the dwelling, other structures, personal property, loss of use, liability and medical payments;
  • replacement cost or actual cash value, for the house, the roof and your belongings (some policies pay only actual cash value for a roof, for example once it reaches a certain age);
  • each deductible: a flat dollar amount or a percentage, and any separate wind, hail, hurricane or roof deductible. In an example from Pennsylvania's insurance department, a 2% wind and hail deductible on a home insured for $200,000 means you pay the first $4,000 of wind or hail damage.

For the cars, compare liability limits, uninsured motorist coverage, medical payments or personal injury protection, the collision and comprehensive deductibles, and extras like rental reimbursement.

Then make every price yearly. Car policies usually run six months and home policies usually a year (NAIC), so double a six-month car price. The NAIC's homeowners shopping tool and Maryland's homeowners comparison worksheet give you a grid for the home; Texas publishes one for cars.

5. Check the company before you buy

Look up each company's complaint record, and make sure the company and the agent are licensed in your state; your state's insurance department can tell you both. A quote is also an estimate: once the company checks your history, and sometimes inspects the home, the price it offers can change, Washington's insurance office warns.

6. Start the new policies before you cancel the old ones

Buy each new policy and check its start date before you cancel anything, then cancel the old one for that same day. Never cancel until you have the new policy or a written statement of coverage, says Texas's insurance department.

Home and car renewal dates may not match, so switch both on one day or each at its own renewal. For one yearly review, start both new policies on the same day. If you paid ahead, the old company may refund part of your premium (NAIC). How to Switch Car Insurance Companies has the car steps.

Which home and auto insurance companies should you get quotes from?

At least three, of both kinds: companies that sell home and auto together, and companies that sell only one. Many insurers sell homeowners and auto coverage, and many give a discount when you have both with them, Wisconsin's insurance regulator notes. But different companies charge different rates for the same coverage (NAIC), and each company's underwriting rules are different, so one may insure a home another won't (Texas Department of Insurance). The NAIC's homeowners shopping tool gives the number: "It is a good idea to get at least three quotes before you buy insurance."

Buying a house: when do you need house and car insurance quotes?

Before closing. The CFPB says your lender needs proof of homeowners insurance before it will fund the mortgage, so start shopping early. You can even ask an agent to estimate the cost of insurance before you buy (NAIC).

Felt puppet comic. At a closing table a woman pulls a document from her purse like a magician: "Ta-da! Proof of home insurance." A lender in a suit applauds: "Bravo."

Buying a home? Your lender needs proof of home insurance before closing, so start the quotes early.

  • You choose the company, not your lender.
  • Show your loan officer the quotes you're considering, ask whether they meet the lender's requirements, then send the final information (CFPB).
  • Name the lender on the policy as the mortgagee. For loans sold to Fannie Mae, the policy must pay replacement cost (roofs can be an exception), and no deductible can be more than 5% of the coverage amount.
  • Plan for the first payment: you usually pay the first 6 to 12 months of the premium at or before closing (CFPB).
  • Ask about the home's claims history. Past claims on the house can affect your price.
  • Ask about flood. Home insurance doesn't cover flood damage, and if the home is in a flood zone, your lender will require flood insurance.

Moving changes your car insurance too. Tell your car insurance company your new address; where you live is part of the car price, so it's a natural time to get car quotes as well.

Where to get home and auto insurance quotes side by side

On PolicyVera you can get home and auto insurance quotes side by side from the licensed local insurance agents you pick.

PolicyVera is a free insurance-shopping marketplace where you compare quotes across carriers, from licensed local insurance agents at any agency. PolicyVera is paid by insurance agents, not by you. You pick what you want quoted (home, auto, flood, umbrella and more), then the licensed local insurance agents you want quotes from, and send one request. Only the insurance agents you pick get your request. You compare their quotes side by side, next to your current policy (add it by uploading your policy's declarations page or answering a few questions). On PolicyVera, insurance agents are not allowed to call, text or email you outside PolicyVera until you accept them as your new agent. That rule is written into PolicyVera's agent terms.

Screenshot of PolicyVera's agent picker on a computer: the page "Pick the agents you want quotes from", the line "PolicyVera doesn't rank or recommend agents", and a list of licensed local insurance agents, two of them picked.

On PolicyVera you pick the licensed local insurance agents who get your request; PolicyVera doesn't rank or recommend them.

Screenshot of PolicyVera's quote comparison on a computer: "Compare with your current policy", with the person's current policy and three licensed local insurance agents' homeowners quotes side by side, row by row: the insurance company, the total premium, the deductible, the dwelling and personal liability limits, and endorsements. Outlined: one quote's higher deductible, another's higher liability limit, and two quotes' endorsements.

Line by line, you see what differs besides the price: here, a higher deductible, a higher liability limit and extras (marked).

You can also do the whole thing inside your AI assistant. PolicyVera runs an MCP server, so a person's AI assistant can make the whole quote request inside the conversation and read the quotes as the agents send them. It connects to Claude, ChatGPT, Gemini, Perplexity, Grok and other assistants that can use outside tools (plans vary): policyvera.com/connect

PolicyVera itself does not sell, solicit, negotiate, or bind insurance and provides no insurance advice; insurance agents win clients who choose them, and the platform is free for consumers and lenders.

Quotes are non-binding estimates; the final premium is set by the insurer's underwriting after you apply.

Find out if you're overpaying

Compare quotes from the licensed local insurance agents you pick, side by side with your current policy. Free, across carriers, and only the agents you pick get your request.

Compare quotes at policyvera.com →

Or ask your AI assistant: policyvera.com/connect

Which states have licensed agents on PolicyVera, kept live: policyvera.com/agents. More on this: First-time home buyer guide

Sources

General information, not advice for your situation. Rules vary by state and by company; your state's insurance department explains the rules where you live.

Related: Home and Auto Insurance: Should You Bundle Home and Auto Insurance? and How Much Is Homeowners Insurance? Averages by State, and What Sets Your Price

More PolicyVera guides: PolicyVera Guides: Insurance Questions, Answered