Calculators › Home, Auto & Renters
Compare home, renters or auto insurance quotes side by side and see what a cheaper quote leaves out: lower liability, less coverage, higher deductibles or actual cash value.
The cheapest quote is often cheaper because it covers less. Lower liability limits, a smaller dwelling or contents limit, a higher deductible or actual-cash-value settlement can all cut the price. This tool lines up your quotes, flags every difference from the best terms on offer, and shows what the strongest coverage really costs.
For each quote, compare liability, home/contents limit and deductible with the best value among all quotes, and flag actual cash value. Extra for the strongest coverage = Premium of the quote with the fewest gaps − Cheapest premium.
Insurer B at $2,080 looks $370 cheaper than Insurer A at $2,450 — but it has $200,000 less liability and a $1,500 higher deductible. Insurer C at $2,190 has $60,000 less home coverage and pays actual cash value. Insurer A has the best terms on every line.
Insurers price risk differently, and quotes often differ in coverage too — limits, deductibles, settlement basis and endorsements. Comparing price alone can hide a large difference in protection.
Ask them to quote the same dwelling or contents limit, the same liability limit and the same deductible, with replacement cost. Then the premiums are comparable.
Yes. Use the liability limit and deductible columns, and leave the home/contents column at zero for every quote.