What is homeowners insurance?

Homeowners insurance is a contract between you and your insurer to protect you, your family, and your property from a list of bad stuff that can cause damages or losses. It protects you from a range of things - from your actual home and property to stuff you may accidentally do to other people even when you’re not at your place.

How much homeowners insurance coverage do I need?

Short answer: Depends on your lifestyle needs and ability to pay up-front. You’ll have to adjust your coverages by taking into account the amount that it’d take to rebuild your home, how much personal stuff you have, and how much personal liability coverage you’ll want.

What kind of documents and info do I need to apply for homeowners insurance?

You’ll need to answer a few questions, including the address of the property you’re insuring, and any mortgage docs and lending info you have for your property. You’ll get a quote in minutes!

Homeowners Insurance: Compare Home Insurance Quotes from Top Companies

INSURANCE PRODUCTS ARE NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY SOFI BANK, N.A. OR ANY OF ITS AFFILIATES

SoFi Insurance Agency, LLC ("SoFi Agency"), doing business in the state of California as Social Finance Insurance Agency, is a licensed independent insurance agency and affiliate of SoFi Technologies, Inc. and SoFi Bank, N.A. SoFi Agency is compensated via commission or referral fee by its insurance carriers and other related service providers. Not all carriers or options in the marketplace are shown. SoFi Agency and its affiliates do not guarantee the services of any insurance carriers or other related service providers. California Entity License Number: 0L13077, Resident License No. 762363. See all licenses.

How SoFi Agency Is Compensated:
There is no charge to use SoFi Agency. However, we receive compensation from insurers and other vendors in the following ways:

● Commissions: A fee paid by the insurer for originating your policy, typically calculated as a percentage of your premium.
● Contingent & Supplemental Commissions: Performance-based bonuses from insurers for hitting annual targets, like customer volume or retention. (Supplemental commissions are based on past performance and known in advance; contingent commissions are not).
● Marketing Fees: Compensation for presenting promotions or linking you to an insurer’s application site.
● Affinity Partner Revenue: Income earned when you engage with or request services from third-party partners advertising on our platform.

If you have any questions about how we are compensated, please feel free to reach out to SoFi Agency.

All insurance products shown on SoFi are underwritten and provided by licensed insurance carriers, not SoFi Agency. SoFi Agency does not underwrite or price insurance policies. Insurance products presented may not be available in all states, and your rates and savings will vary based on individual factors. The rates or savings advertised are not necessarily available from all providers or advertisers. Not all carriers or options in the marketplace are shown.

Results will vary and some may not see savings. Average savings of $765 is based on a comparison of people who saved money after purchasing a policy through SoFi Insurance Agency, LLC (""SoFi Agency"") between June 1, 2025, and January 27, 2026. Savings represent the average of the difference between peoples’ previous annual premium as reported on their prior policy declaration page and their newly issued final annual premium through SoFi Agency. Coverage and deductible were not factored into any reported savings. Individual savings will vary and are not guaranteed.

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