Cheap Homeowner’s Insurance


Homeowners Insurance. Your largest personal investment needs protection. But finding the correct balance of coverage and cost is a difficult process. Since 1974, CHEAP Insurance has been helping homeowners find the coverage that adequately protects their investment and their family, as well as tailoring that coverage to fit their budget.

Get an instant rate estimate on Homeowners Insurance from CHEAP Insurance

There's No Place Like Home. Make Sure It's Fully Protected.

Turn to for the best homeowners insurance coverage at the best rates. With our access to dozens of quality insurance carriers, let us match up your specific needs with the company that can provide you the coverages you desire at the most competitive rates. We want to be there when you need us most and help get you back to your home in the event of a loss. Start here with an online quote and free evaluation for homeowners insurance today.

What's Usually Covered by Homeowners Insurance?

At CHEAP Insurance, we believe that every customer is different, so we shop all of the available options to make sure you are adequately covered. Though each homeowners insurance policy will differ, most policies generally cover the following:

  • Damage to your home, including permanent structures on your property—unless your policy specifically excludes the cause of the damage
  • Damage to personal property, meaning the items in your home that are not attached to the dwelling, due to causes outlined in your policy
  • Liability coverage for legal matters or accidents that occur on your property
  • Loss of use, which allows you to maintain your lifestyle at another residence while your home is being repaired without incurring additional costs
  • Limited coverage for items such as stolen jewelry—the amount of coverage varies depending upon state of residence, and you always have the option to increase this coverage.
  • Additional coverage available for more valuable items (jewelry, fur, silverware, etc.). If coverage above the limited coverage amount is required, a “rider" should be purchased. This coverage offers a broader range of perils.

Save Money on Your Homeowners Insurance Today

Do you qualify for discounts on your homeowners insurance? Check this list to see a sampling of the discounts CHEAP Insurance offers:

  • Monitored home alarm system
  • Doors fortified with security locks
  • Smoke detectors
  • Sprinkler system
  • Gated community
  • Retirement community
  • Newly purchased home
  • Age of home discount

What If I Lease My Home to Tenants?

Renting your home can be a good extra source of income, or a way to manage its expenses, but if you rent your home to a tenant, you need a specific type of homeowners insurance, known as a “dwelling fire" policy. offers the cheapest rates and can assist you in making sure your home is covered in all types of circumstances. Contact us to request more information on Dwelling Fire policies.

Tenants who live in a rental property should consider an inexpensive renter's insurance policy.Have you ever added up the value of the items in your dresser alone? Try adding up the value of all the spices in your cabinet. Replacing them could be more costly than most people realize. The simple things we take for granted take more than a few dollars to replace. Renters insurance can assure that your jewelry, plasma television, and that amazing stereo you can't wait for people to listen to when they come over can be replaced in case of fire, flood, or theft. Call CHEAP Insurance today (800) 486-1866 and speak with one of our insurance specialists who will assist you in making sure all your property is fully insured. Learn more about Renter's Insurance.

If you are in Los Angeles, Stockton, San Francisco, Oakland, Sacramento or anywhere in California, then Cheap Insurance is your one stop shop for all your discount online insurance needs. Our name and our prices may be CHEAP, but quality is what we sell. Let us give you a no obligation, hassle free, quote. Call today to start saving.

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