Home Insurance — Compare Carriers, Rates, and Coverage | PolicyChat
Home insurance — compare carriers, rates, and coverage
PolicyChat is building a full home-insurance marketplace that compares carriers in real time and accounts for your state's specific perils — wildfire, hurricane, hail, sinkhole — when matching you to the right policy. While the marketplace is in build, you can already use the site to research carriers, browse state-by-state rate filings, and read decision guides on dwelling coverage, inflation guards, and common claim disputes.
Browse by state (50 states)
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
Compare carriers (5 head-to-head reviews)
- Farmers vs Allstate Home Insurance: Cost, Coverage, and Claims (2026)
- State Farm vs Allstate Home Insurance: Cost, Coverage, and Claims (2026)
- State Farm vs Liberty Mutual Home Insurance: Cost, Coverage, and Claims (2026)
- Travelers vs Allstate Home Insurance: Cost, Coverage, and Claims (2026)
- Travelers vs State Farm Home Insurance: Cost, Coverage, and Claims (2026)
Coverage guides
- Are You Underinsured? Why Most US Homes Are Below Replacement Cost (2026)
- How Often Should You Update Your Home Insurance Dwelling Coverage (2026)
- How to File a Total-Loss Auto Insurance Claim in 2026
- How to Handle an Uninsured-Motorist Claim (2026)
- How to Shop Home Insurance After a Claim (2026)
- Why Your Inflation Guard Probably Isn't Keeping Up With Construction Costs (2026)
- Do You Need Umbrella Insurance? (2026 Decision Guide)
- What Homeowners Insurance Does NOT Cover (2026)
Coming soon
Real-time multi-carrier quoting, peril-aware coverage matching (wildfire zones, flood plains, hail belts), bundle discount estimator (home + auto), and Sage chat for guided coverage advice. To get notified when the marketplace goes live, subscribe.