Home insurance hasn’t exactly been getting cheaper lately. In the U.S., S&P Global Market Intelligence calculated a 10.4% weighted average effective homeowners rate increase for 2024—after 12.7% in 2023. (spglobal.com)

That’s why quote apps (and mobile-first quote tools) can be such a money-saver: they make it easier to reshop without turning it into a weekend project.

What “quote apps” actually do (and why they can lower your bill)

A home insurance quote app is basically a faster way to answer: “What would I pay for this coverage with that company?”

Most quote apps work like this:

  • You enter basics (address/ZIP, home type, build year, roof, claims history, desired coverage, deductible).
  • The tool returns quotes (either from one insurer, or a network/marketplace).
  • You tweak deductibles/coverage and see price changes (sometimes instantly, sometimes after follow-up).
  • You buy directly in-app, on a mobile website, or through an agent depending on the company.

The savings come from two places:

  1. Price variation: premiums can vary a lot for the same home/profile, so comparing multiple quotes matters. NAIC’s consumer guidance puts it bluntly: “Shop around. The premiums insurance companies charge for homeowners insurance vary widely.” (content.naic.org)
  2. Discount discovery: apps nudge you to check common discounts (bundling, alarm systems, roof updates, etc.). (content.naic.org)

Quick reality check with numbers:

  • NAIC reported the nationwide average premium for dwelling fire and homeowners owner-occupied policies increased 10.5% from 2021 to 2022. (content.naic.org)
  • The Insurance Information Institute (using NAIC data) lists the average HO-3 homeowners premium at $1,569 in 2022 (the most common owner-occupied policy type). (iii.org)
  • S&P Global Market Intelligence’s RateWatch shows double-digit effective rate increases again in 2024 nationally (10.4% weighted average). (spglobal.com)

How to use quote apps to save (without accidentally underinsuring)

When I test-drove these apps, the biggest “savings lever” wasn’t some secret button—it was running the same scenario consistently, then adjusting only one thing at a time.

Use this checklist:

  • Compare apples to apples: same dwelling coverage target, same deductible, same liability, same endorsements when possible. (consumerfinance.gov)
  • Stress-test the deductible: higher deductibles often lower premiums, but only pick what you could actually pay after a loss. (consumerfinance.gov)
  • Don’t insure to market value: aim for rebuild/replacement cost logic (your lender may also care about replacement cost). (insurance.com)
  • Ask about discounts you actually qualify for: bundling + home safety devices are the classic ones. (content.naic.org)

5 quote apps I’d use (with real pros/cons)

Below are five practical options I walked through on mobile. Some are true comparison marketplaces; others are insurer apps that let you quote (or start the process) fast.

1) Insurify (comparison marketplace)

What it felt like to use: I treated this like my “baseline” comparison tool—start with ZIP, plug in home details, then focus on matching coverage before caring about price.

Why it can save you money: It’s built for side-by-side comparison and encourages multi-quote shopping. (insurify.com)

Pros

  • Built around comparing multiple home insurance quotes quickly. (insurify.com)
  • Helpful for getting a quick read on price ranges before you talk to anyone.

Cons

  • If you use the iOS app, note the App Store privacy label indicates it may collect data like contact info, identifiers, location, and financial info. (apps.apple.com)
  • Availability/quote flow can vary by state and carrier participation (so you may still have to finish on a partner site).

2) Progressive (insurer app + home quote tools)

What it felt like to use: The app itself is strong for account management, but the quote experience often pushes you into their quote tools and network flow.

Where savings can show up: Progressive emphasizes bundling and also highlights discount ideas like quoting in advance and having alarms/safety devices. (progressive.com)

Pros

  • The iOS app explicitly supports “Quote or make a policy change.” (apps.apple.com)
  • Clear prompts around common discount categories (alarms/safety devices; quoting ahead of start date). (progressive.com)
  • They advertise bundle savings (useful as a benchmark when you compare). (progressive.com)

Cons

  • Home insurance may be offered through a network of home insurance companies depending on location (so your “carrier” can vary). (progressive.com)
  • Marketing savings claims vary by customer/state—treat them as a “check” against your own quotes, not a guarantee. (progressive.com)

3) State Farm (insurer app with “Get a Quote”)

What it felt like to use: Good when you want a straightforward “quote entry point” on your phone without creating friction first.

Why it helps: State Farm says you can use the app without registering, and one of the available features is “Get a Quote.” (statefarm.com)

Pros

  • You can start without registering; “Get a Quote” is listed among no-registration features. (statefarm.com)
  • State Farm also offers an online homeowners quoting tool in most states (useful if you prefer mobile web). (statefarm.com)

Cons

  • Not every policy/variation is available everywhere; quoting availability is state-dependent. (statefarm.com)
  • Like most single-insurer apps, you still need outside comparisons to know if the price is truly competitive. (content.naic.org)

4) Lemonade (digital-first insurer app)

What it felt like to use: Very “app-native.” The flow is built around doing everything on your phone, including managing your policy.

Why it can save you money: Lemonade positions bundling as a way to unlock an automatic discount (depending on what you combine). (lemonade.com)

Pros

  • Strong app-first servicing (they direct you to handle actions via the app). (lemonade.com)
  • Bundling is clearly built into the product story (good if you like having policies in one place). (lemonade.com)

Cons

  • Availability is limited: Lemonade states homeowners insurance is available in 23 states. (lemonade.com)
  • Their “starts at $25/month” figure is a marketing starting point and varies by state and home details—use it as a reference, not an expectation. (lemonade.com)

5) GEICO Mobile (quote + GEICO Insurance Agency partners)

What it felt like to use: Smooth app experience for quoting generally, but for homeowners coverage you should expect partner handoffs because GEICO acts as an agency for property coverage.

Why it can save you money: If you’re already in the GEICO ecosystem, it’s a fast way to get a homeowners quote and see what partner options look like in your ZIP.

Pros

  • GEICO’s app explicitly mentions you can get a quote. (apps.apple.com)
  • GEICO offers an online homeowners quote flow. (geico.com)

Cons

  • GEICO notes homeowners coverages are written through non‑affiliated insurance companies and secured through the GEICO Insurance Agency, and your info is shared with business partners to return a quote. (geico.com)
  • Servicing/claims can depend on which partner underwrites the policy. (geico.com)

What’s trending right now (and what it means for your quotes)

A few shifts I’m seeing (and you’ll notice inside quote apps):

  • More frequent repricing: double-digit rate increases across multiple years make annual re-shopping more common. (spglobal.com)
  • Discounts tied to risk mitigation: insurers and regulators keep pointing consumers to measurable protections (alarms, deadbolts, roof updates) and to bundling where it makes sense. (content.naic.org)
  • More partner/network models: some big brands place homeowners business through networks, so the “name on the app” may not be the underwriting company. (progressive.com)

Conclusion

Quote apps won’t magically stop home insurance prices from rising—but they do make it easier to compare coverage properly, spot discounts you might miss, and react faster when your premium jumps at renewal. (content.naic.org)

References

  • S&P Global Market Intelligence. “US homeowners rates rise by double digits for 2nd straight year in 2024.” (Jan 21, 2025). (spglobal.com)
  • National Association of Insurance Commissioners (NAIC). “NAIC Releases Homeowners Insurance Report for 2022.” (May 21, 2025). (content.naic.org)
  • Insurance Information Institute (III). “Facts + Statistics: Homeowners and renters insurance” (table sourced from NAIC). (iii.org)
  • NAIC. “Searching for a Homeowners Insurance Policy? Tips to Get the Most Value.” (content.naic.org)
  • Consumer Financial Protection Bureau (CFPB). “Shop for homeowner’s insurance.” (consumerfinance.gov)
  • NAIC. “Homeowners Insurance” (consumer guidance on shopping/discounts). (content.naic.org)
  • Insurify. “Compare Home Insurance Quotes Side by Side (2026).” (insurify.com)
  • Apple App Store. “Insurify Compare Car Insurance” (privacy label details). (apps.apple.com)
  • Apple App Store. “Progressive” (app feature: quote/policy change). (apps.apple.com)
  • Progressive. “Homeowners Insurance: Get a Free Quote” (discount examples / bundle messaging). (progressive.com)
  • State Farm. “Mobile app questions?” (feature list includes “Get a Quote” without registration). (statefarm.com)
  • Lemonade. “Homeowners insurance that’s built for real life” (availability + bundle mention). (lemonade.com)
  • Apple App Store. “GEICO Mobile - Car Insurance” (app supports quotes). (apps.apple.com)
  • GEICO. “Homeowners Insurance - Get a Free Home Insurance Quote” (partner/agency disclosure). (geico.com)
  • GEICO. “Review And Manage Your Homeowners Policy Online” (partner servicing list). (geico.com)