Secure your most valuable asset with comprehensive home insurance coverage. Policy Pulsehq offers customizable policies that protect your home, belongings, and family from unexpected events.
Complete this simple form and receive personalized home insurance quotes in minutes
Fill out the form below and we'll help you find the perfect home insurance coverage for your needs.
Choose from our range of home insurance coverage options designed to protect what matters most
Protects the physical structure of your home from covered perils like fire, wind, hail, and more.
Covers your belongings inside the home, including furniture, electronics, clothing, and valuables.
Provides financial protection if someone is injured on your property or you cause damage to others.
Covers temporary housing and living expenses if your home becomes uninhabitable due to a covered loss.
Experience the difference with our advanced protection and customer-focused approach
Most claims processed within 24-48 hours using our AI-powered assessment technology.
Build a policy that matches your specific needs with our modular coverage options.
Save up to 20% with smart home devices like security systems, leak detectors, and more.
Access to licensed agents and claims specialists whenever you need assistance.
Comprehensive coverage for the risks homeowners face most frequently
Full coverage for damage caused by fires, smoke, and related fire department operations.
Protection against damage from severe weather including hurricanes, tornadoes, and hail.
Covers sudden and accidental water damage from burst pipes, appliance leaks, and more.
Protection against burglary, theft, and malicious damage to your property.
Covers damage from falling trees, branches, or other objects striking your home.
Protection if someone is injured on your property or you're found responsible for damage.
Getting comprehensive home insurance coverage is simple and straightforward
Complete our simple form with your home details to receive instant, personalized quotes from top-rated carriers.
Speak with one of our licensed agents who will help you customize coverage options and explain your policy details.
Once you approve your policy, we activate coverage immediately. Your documents are sent digitally within minutes.
Access our 24/7 customer support, make policy changes online, and file claims through our mobile app anytime.
See how much you could save with Policy Pulsehq home insurance
Get answers to common questions about home insurance
Several factors influence your premium including your home's location, age, construction type, square footage, claims history, credit score, and the coverage limits you select. Homes in areas prone to natural disasters typically have higher premiums, while homes with security systems and modern updates may qualify for discounts.
Actual cash value (ACV) pays you the current market value of your damaged property, accounting for depreciation. Replacement cost coverage pays to replace damaged items with new ones of similar kind and quality, without deducting for depreciation. Replacement cost coverage typically costs more but provides better protection.
Standard home insurance policies typically do not cover flood damage. Flood insurance is usually purchased separately through the National Flood Insurance Program (NFIP) or private insurers. However, water damage from sudden internal sources (like burst pipes) is generally covered, while gradual leaks may not be.
You should have enough dwelling coverage to completely rebuild your home at current construction costs. This amount is different from your home's market value or purchase price. A professional appraisal or consultation with an insurance agent can help determine the appropriate coverage amount based on your home's square footage, construction type, and local building costs.
Common discounts include bundling home and auto insurance, installing security systems, having smoke detectors and fire extinguishers, being claims-free for several years, having a newer roof, being a non-smoker, and maintaining good credit. Some insurers also offer discounts for retirees, new home buyers, and homes with impact-resistant roofing.
Join thousands of homeowners who trust Policy Pulsehq for comprehensive home protection. Get a personalized quote in under 5 minutes.
