What this site is
HomeInsuranceComparison.net is an independent editorial signpost. We review home insurance comparison platforms and direct carriers. We do not collect quote data, we do not present a quote form, and we do not recommend specific coverage amounts. Insurance markets vary by state and jurisdiction — all coverage decisions should be made directly with licensed carriers or brokers.
In the UK context: we are not authorised or regulated by the FCA as an insurance intermediary. We link to FCA-authorised aggregators and direct insurers. Our content is editorial comparison, not regulated advice.
In the US context: we are not a licensed insurance agent or broker in any state. We link to licensed carriers and licensed broker platforms. We do not provide state-specific coverage advice.
How we score
Each provider is scored 0-10 across five dimensions, equally weighted:
- Panel breadth / market access: How many carriers does the platform access? For direct carriers, does their absence from aggregators require a separate quote?
- Default coverage quality: Is replacement cost or ACV the default for dwelling and personal property? Is the distinction made clear during the application?
- Price accuracy: Are quoted premiums bindable? How closely do final underwritten premiums match online quotes?
- Application experience: Time to complete, questions asked, data shared, mobile experience.
- Claims transparency: Is the claims process clearly documented? Are the limits, deductibles, and exclusions visible before purchase?
Who writes and edits this site
All content on this site is edited by Max Yao. Reviews are based on application testing and publicly available policy documentation. We do not fabricate quote results — all price ranges cited are from live applications on the dates stated. We do not accept payment for score adjustments.
Affiliate disclosure
We earn a commission when you click through and purchase a policy from an affiliate link on this site. This commission is paid by the carrier or platform, not by you. It does not affect your quoted premium. It does not affect editorial scoring or which providers are covered.
Affiliate disclosure is present above every affiliate-linked section on every page on this site.
Last-reviewed dates
Every review carries a "last tested" date. Insurance products change — premiums, panel composition, coverage terms, and state availability all evolve. We commit to reviewing and updating each page at least once per year. The ABI premium averages and US national averages cited throughout are updated when the underlying data sources publish new data.
What we will not say
- We will not recommend a specific coverage amount for your property.
- We will not tell you whether to claim or not on a specific incident.
- We will not compare policy wordings as legal documents — that requires a licensed professional.
- We will not aggregate keyword volumes into fake "niche totals" or invent savings figures.