Honestly, “most affordable” really depends on your exact address and house details. I compared quotes from State Farm, GEICO, Progressive, and Erie last year and Erie was the cheapest for my home — but the coverage limits were lower, so I had to bump them up to feel comfortable. In my case the dwelling and personal property limits were key; I saved money by increasing the deductible and bundling my auto insurance. I also got discounts for an alarm system and claims‑free history. But one friend chose State Farm even though it was a bit more expensive because he trusts their claims folks more.
Honestly, “most affordable” really depends on your exact address and house details. I compared quotes from State Farm, GEICO, Progressive, and Erie last year and Erie was the cheapest for my home — but the coverage limits were lower, so I had to bump them up to feel comfortable. In my case the dwelling and personal property limits were key; I saved money by increasing the deductible and bundling my auto insurance. I also got discounts for an alarm system and claims‑free history. But one friend chose State Farm even though it was a bit more expensive because he trusts their claims folks more.