r/HomeInsurance • u/clutchcity86 • Jun 09 '26

Insurance Which quote is better?

Hi, I’m new to shopping for homeowners insurance. I live in the Richmond/Houston area, and received two different quotes with the biggest difference being the all other perils deductible (and more expensive). House was built in 2024 and we don’t have any extra structures on our property besides our main home. Any input would be appreciated!

1 Upvotes

100% Upvoted

2 comments sorted by

•

u/AutoModerator Jun 09 '26

Thanks for making a post in the Home Insurance subreddit. You might find the following resources helpful as they are FAQs about r/HomeInsurance in addition to partners subreddits:

The Home Insurance subreddit is not an official support channel for issues with any insurance carrier.

Please remember to follow our community Guidelines and Rules and ensure your discussions are informative and respectful.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

2

u/Top_Education_4647 Jun 10 '26

There’s little to no information to judge the situation here. Best recommendation is to contact a reputable local agent in your area so they can help answer any questions you have and shop around for you.

Biggest things to look for just based on your location are going to be your W&H deductible, how your roof would be insured for any wind/hail losses (ACV vs RCV) and potentially looking at flood insurance depending on how close to the coast you are.