WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
By Elan Mcafee
Updated on Apr 27, 2022
Reviewed by Carrie Adkins, VP of Content.
In a perfect world, there would be no reason for home insurance to exist. Unfortunately, there are scores of disasters that could occur to one’s home or belongings. Trees fall on houses, strong winds whip off siding, and wiring sometimes sparks. Not all emergencies occur naturally, either. People can cause harm as well, whether it’s in the form of graffiti vandalism or outright theft.
Here's what you need to know about the best home emergency insurance solutions for both owners and renters, thanks to car insurance broker app Jerry.
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever
Home emergencies aren't always about property damage or loss; this phrase includes many harms that occur to people and pets inside a home. Homeowner’s insurance policies cover both of these broad types of situations.
Some of the factors a home emergency insurance company considers in crafting a policy are the home’s age, condition, location, and safety features. An insurance company also looks at the homeowner’s credit, general stability, and history of insurance claims.
Most homeowners are required to keep home liability coverage, which is very similar across companies; here, it's usually a matter of comparing the price of premiums. There is more to consider, however, in finding the best home emergency insurance solution for a homeowner.
Consider if optional earthquake or flood coverage is needed for your location, if additional personal property protection is needed on certain valuables, or if there is a good chance of utilizing optional sump pump or sewer backup coverage.
Few renters are legally required to carry home emergency insurance known as renter’s insurance. That doesn't mean such coverage solutions are without value. All of the same disasters that can happen to an owned home can happen to a rental property, and that often translates to property damage to belongings.
Few people could emotionally and financially bounce back with ease if faced losing everything owned. This is where renter’s insurance comes into play.
Since renter’s insurance doesn't have to factor in the replacement cost of the home itself, it's far cheaper than homeowner’s insurance. Compare policy premiums and coverage amounts until you find a balance appropriate to your income and potential losses. As with homeowner’s insurance, consider if optional coverages are worth the investment, and ask about potential discounts for which you qualify.
When it comes to discounts, it pays to ask and it pays to shop around. Home emergency insurance agents will not always offer or even think about discounts to which you are entitled, and it costs nothing to ask if the company rewards its clients for good behaviors or other circumstances.
Discounts are often available to those with good credit, senior citizens, those who are claim-free, and people who carry multiple types of insurance policies through the same company. Sometimes, discounts can be gained with a small investment, such as adding a security system or energy efficient features.
Home emergency insurance comes in handy if you rent or own a home; you don't ever want to be in a situation where you're in a tough spot because you can't afford to replace your belongings. It can also help protect you, your family, and your pets, so it's worth considering.
How to find the best home insurance for you?
Regardless of which insurance you opt for, it's important to get the best deal for you. For that, try bundling your package with car insurance and broker app Jerry. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.
Haven’t shopped for insurance in the last six months? There might be hundreds $$$ in savings waiting for you.
Judith switched to Progressive
Saved $725 annually
Alexander switched to Travelers
Saved $834 annually
Annie switched to Nationwide
Saved $668 annually