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Home Rates Saver at a Glance
| Our Rating | 3.4 / 5 |
|---|---|
| Best For | Comparing homeowners quotes from several providers |
| Type | Insurance referral site, not an insurer |
| Cost | Free to use |
| Savings | Not guaranteed |
What Is Home Rates Saver?
Home Rates Saver is an online insurance referral site. It does not sell policies or issue quotes itself. It collects information through a form and connects homeowners with insurance companies and licensed agents across the U.S. so they can compare coverage and pricing.
It states that it is not affiliated with any insurance carrier, that savings are not guaranteed, and that it earns commissions through affiliate links.
Pros & Cons
Pros
- One form to compare several homeowners insurance providers
- Connects you with companies and licensed agents
- You choose a policy directly with the provider
Cons
- Not an insurer and does not quote directly
- Savings are not guaranteed
- Earns commissions, so check offers independently
How Home Rates Saver Works
Complete the form
Provide details about yourself, your home and the coverage you want.
Get matched
The site connects you with insurance companies and licensed agents.
Choose a policy
You compare offers and buy directly from the provider.
Safety & What to Know
Your information is shared with providers and agents, who may contact you.
Because the site earns commissions on sales, compare offers independently and check coverage limits and exclusions.
Home Rates Saver Pricing
| Using the site | Free to use |
|---|---|
| Insurance prices | Set by each provider |
Premiums depend on your home, location and coverage choices.
Who Home Rates Saver Is For
A good fit if you
- You are shopping for homeowners insurance and want several offers
- You are comfortable speaking with agents
Look elsewhere if you
- You want to buy from one named insurer
- You prefer not to share your details
How Home Rates Saver Compares
AutoQuoteGuide does the same for auto insurance. See the Best Online Insurance Options.
Frequently Asked Questions
Our Verdict
★ 3.4 out of 5
Home Rates Saver is a convenient way to reach several homeowners insurance providers with one form. Compare offers carefully, because it earns commissions and does not guarantee savings.
See the full Best Online Insurance Options ranking →
Reviewed by
Sarah MitchellSenior Finance Editor
Sarah Mitchell is a certified financial planner with 12 years of experience covering personal finance, credit cards, and investment products. She has been quoted in The Wall Street Journal, Forbes, and Bloomberg. Sarah holds a CFP designation and an MBA from Wharton. She tests every financial product she reviews and consults with independent financial advisors to ensure accuracy.