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Why Choose Direct21
Save Money
Our extensive network allows us to find the most competitive rates, helping you save more on your home insurance.
Fast & Free
Get your quotes quickly and without any cost, so you can make informed decisions without delay.
Licensed Agents
Our experienced agents are here to guide you through the process, ensuring you get the best coverage for your needs.
Comprehensive Coverage
We offer a variety of coverage options to protect your home and belongings from unexpected events.
How It Works
Enter Your ZIP Code
Start by entering your ZIP code to see the best local insurance options available to you.
Compare Quotes
Review a range of quotes from top carriers to find the perfect match for your home insurance needs.
Choose & Save
Select the policy that suits you best and enjoy peace of mind knowing your home is protected.
Comprehensive Coverage Options
Liability Coverage
Provides protection against legal claims for damages to others’ property or injuries.
Ensures financial security in case of lawsuits or medical expenses.
Includes coverage for legal defense costs.
Helps cover settlements or judgments.
Essential for protecting your assets.
Dwelling Coverage
Covers the cost to rebuild or repair your home after a covered loss.
Includes protection against fire, windstorms, and other perils.
Ensures your home is restored to its original condition.
Provides peace of mind knowing your investment is protected.
Critical for safeguarding your primary residence.
Personal Property Coverage
Protects your belongings like furniture, electronics, and clothing.
Covers items both inside and outside your home.
Includes protection against theft and damage.
Helps replace or repair personal items after a loss.
Ensures your lifestyle is minimally disrupted.
Loss of Use Coverage
Provides living expenses if your home becomes uninhabitable.
Covers costs like hotel stays and meals.
Ensures you maintain your standard of living during repairs.
Offers financial support during a challenging time.
Helps you focus on recovery, not expenses.
Personal Liability Coverage
Covers legal expenses for lawsuits due to accidents on your property.
Includes protection for bodily injury and property damage claims.
Helps safeguard your financial future.
Provides coverage for incidents involving pets.
Essential for comprehensive protection.
Medical Payments Coverage
Covers medical expenses for guests injured on your property.
Ensures quick payment of medical bills.
Provides coverage regardless of fault.
Helps maintain good relationships with visitors.
Offers peace of mind for unexpected accidents.
Additional Living Expenses Coverage
Covers extra costs if you need to live elsewhere temporarily.
Includes expenses like rent and transportation.
Ensures financial stability during home repairs.
Provides a safety net for unforeseen circumstances.
Helps you focus on rebuilding your life.
Flood Insurance
Offers protection against water damage from floods.
Essential for homes in flood-prone areas.
Covers structural damage and personal belongings.
Provides peace of mind during heavy rains.
Helps you recover quickly after a flood event.
Available Discounts
Multi-Policy Discount
Save by bundling your home and auto insurance policies.
Claim-Free Discount
Earn savings for maintaining a claim-free record.
Security System Discount
Receive a discount for having a monitored security system.
New Home Discount
Get a reduced rate for purchasing a newly built home.
Pay-in-Full Discount
Enjoy savings when you pay your premium in full upfront.
Loyalty Discount
Benefit from lower rates for staying with us over time.
Green Home Discount
Save money for having an energy-efficient home.
Senior Discount
Receive a discount for being a senior homeowner.
“Direct21 made finding the right insurance easy and affordable. I saved hundreds on my policy!”
Jim H.
Homeowner
“I was amazed at how quickly I received multiple quotes. The process was seamless and stress-free.”
Jessica T.
First-Time Buyer
“The customer service at Direct21 is outstanding. They helped me understand my coverage options fully.”
Samantha R.
Long-Term Customer
“Thanks to Direct21, I found a policy that fits my needs perfectly. Highly recommend their service!”
David L.
New Homeowner
Homeowners Insurance FAQs
Find answers to common questions about homeowners insurance to help you make informed decisions.
Is homeowners insurance mandatory for mortgage approval?
Yes, most mortgage lenders require homeowners insurance to protect their investment in your property.
How much homeowners insurance coverage is necessary?
The amount of coverage you need depends on the value of your home and personal belongings. It’s crucial to have enough to rebuild your home and replace your possessions.
What is excluded from a standard homeowners insurance policy?
Standard policies typically do not cover flood damage, earthquakes, or routine wear and tear. You may need additional policies for these risks.
How quickly can I obtain proof of insurance?
Proof of insurance is usually available immediately upon policy purchase, allowing you to meet lender requirements promptly.
What factors affect homeowners insurance premiums?
Premiums are influenced by factors such as location, home value, coverage amount, and your claims history.
Can I bundle homeowners insurance with other policies?
Yes, bundling your homeowners insurance with auto or other policies can often lead to discounts and savings.
How can I lower my homeowners insurance premium?
Installing security systems, maintaining a claim-free record, and opting for a higher deductible can help reduce your premium.
What should I do if I need to file a claim?
Contact your insurance provider as soon as possible to report the incident and follow their instructions for filing a claim.
Does homeowners insurance cover temporary living expenses?
Yes, if your home is uninhabitable due to a covered loss, your policy may cover additional living expenses.
Ready to Protect Your Home?
Don’t wait any longer to secure your home with the best insurance coverage. Use our quick and easy quote form to compare rates from over 200 carriers. Protect your investment today!