— The SkyBlue Way
One Home. Multiple Insurance Options.
Homeowners insurance companies don’t all look at your property the same way. Rates, coverage options, deductibles and underwriting requirements can vary significantly from one company to another.
That’s Why We Shop.
We Listen
Tell us about your home, household and what matters to you.
We Shop
Your Sky-Agent® shops available insurance companies for coverage, pricing and discounts that fit your situation.
You Choose
We explain the options and important differences. You decide what’s right for you.
Ready to see what a Sky-Agent® can find for your home?
Why Shopping Matters
Why Compare Homeowners Insurance Quotes?
Two homeowners insurance quotes with similar prices can provide very different protection. Coverage limits, deductibles, replacement-cost provisions, endorsements and exclusions can all affect what you’re actually buying.
That’s why comparing homeowners insurance should involve more than looking at the premium.
A Sky-Agent® can help you compare both price and protection.
Not sure what all of that means for your home? That’s okay. It’s why you have an agent.
An Important Coverage Difference
Replacement Cost vs. Actual Cash Value
Replacement Cost generally looks at what it would cost to replace covered property with new property of similar kind and quality, subject to policy terms and limits.
Actual Cash Value generally takes depreciation into account.
Replacement-cost coverage isn’t available for every home or property. Depending on the age, condition and characteristics of the home, an insurance company may offer different settlement options. Your Sky-Agent® can explain what’s available for your property.
Imagine a covered loss destroys a 10-year-old television. With replacement-cost coverage, the settlement may be based on replacing it with a comparable new television, subject to policy terms. With actual-cash-value coverage, age and depreciation may reduce the amount paid.
The cheapest quote isn’t always the best value. Know what you’re comparing.
KEEPING YOUR COVERAGE CURRENT
Your Home Has Changed.
Has Your Insurance Kept Up?
Homes don’t stay exactly the same. Maybe you’ve remodeled the kitchen, replaced the roof, added solar panels, built an addition, purchased expensive belongings or made other improvements.
Meanwhile, construction and rebuilding costs can change over time. A policy that made sense several years ago may deserve another look today. Life changes. Homes change. Your insurance should keep up.
How Much Does Homeowners Insurance Cost?
- location
- estimated rebuilding cost
- age and construction
- roof age and condition
- claims history
- coverage limits
- deductibles
- fire protection
- protective devices
- property characteristics
- available discounts
Different insurance companies can evaluate those characteristics differently—and may arrive at very different prices.
SAVE MORE
Home Insurance Discounts
Available discounts vary by insurance company, but your Sky-Agent® knows what to look for.
Multi-Policy
Protective Devices
Newer or Updated Homes
Claims History
Payment Options
Your Sky-Agent® knows what to ask – and where to look.
Shop the Whole PictuRe
Your Home Probably Isn’t the Only Thing You Insure.
Many insurance companies offer valuable multi-policy discounts when Homeowners insurance is combined with other eligible policies.
Customers frequently bundle their Homeowners insurance with :
In some households, several policies with the same company may produce additional multi-policy savings. But we don’t automatically assume putting everything with one company is your best choice.
Let us shop it.
Your Sky-Agent® can compare coverage, discounts and overall insurance cost.
Don’t Just Bundle. Shop the Bundle.™
HARDER-TO-INSURE HOMES
Having Trouble Finding Homeowners Insurance?
A declined application or non-renewal doesn’t necessarily mean you’re out of options.
SkyBlue works with multiple property insurance companies with different underwriting guidelines and appetites.
If you’ve had difficulty finding coverage because of your home’s age, location, claims history, roof, property characteristics or other factors, give us an opportunity to shop it.
We can’t promise every home will qualify – but we can promise you don’t have to shop alone.
“California homeowner in a high fire-risk area or currently insured through the FAIR Plan? Explore our California FAIR Plan Alternatives Guide →”
WHY SKYBLUE
A Better Way to Shop for Homeowners Insurance.
Multiple Insurance Companies
Licensed Nationwide
Real Human Guidance
Coverage And Price
Convenient Service
One conversation can open the door to multiple home insurance options.
ABOUT SKYBLUE HOMEOWNERS INSURANCE
SkyBlue Insurance is an independent insurance agency licensed nationwide. Our licensed Sky-Agents® shop available property insurance companies to help homeowners compare coverage options, understand important differences and make confident insurance decisions.
THE SKY-AGENT® DIFFERENCE
THE SKY-AGENT® DIFFERENCe
Your Home Deserves More Than a Price.
An insurance quote is a number. The policy behind that number is what protects you. A Sky-Agent® helps you look beyond the premium and understand the coverage you’re considering.
We shop. We explain. You choose.
That’s the Sky-Agent® difference.
Nobody Shops Alone.™
Frequently Asked Questions
Homeowners Insurance FAQs
Straight answers to common questions. Still need help? A licensed Sky-Agent® is ready.
Homeowners insurance generally isn’t required by law, but if you have a mortgage, your lender will typically require insurance on the property. Even without a mortgage, homeowners insurance provides important protection for your home, belongings and personal liability.
During regular business hours, Sky-Agents® are standing by and ready to shop for you. Having basic information about your home available will help us get started, and your Sky-Agent® can guide you through anything else that’s needed.
We’ll generally need information about the property, including its location, age, construction, roof and other characteristics, along with information about the people living in the home and your current or previous insurance.
Don’t know every detail? Start with what you have. Your Sky-Agent® can help you through the rest.
For dwelling coverage, one of the most important considerations is the estimated cost of rebuilding the home – not simply its market value or what you paid for it. Your Sky-Agent® can help explain available limits and options.
Standard homeowners insurance generally does not cover flooding caused by rising surface water. Flood insurance is typically purchased separately. If flood protection is a concern, ask your Sky-Agent® about available options.
Standard homeowners insurance generally does not cover earthquake damage. Separate earthquake coverage may be available depending on your location and available insurance products.
Yes. Many insurance companies offer valuable multi-policy discounts when Homeowners insurance is combined with other eligible products.
Homeowners frequently bundle with Auto, Motorcycle, RV, Boat and other insurance policies, and qualifying for more than one policy with the same company can sometimes produce substantial savings.
Your Sky-Agent® can shop the available combinations and help determine whether bundling makes sense for your household.
Ask your Sky-Agent® to shop the bundle.
Give us a chance to shop it.
SkyBlue works with multiple property insurance companies with different underwriting guidelines. A prior decline or non-renewal doesn’t necessarily mean another company won’t be a fit.
Available options depend on the property and circumstances, but a Sky-Agent® can help determine what’s available.
One conversation can open the door to multiple home insurance options.
HOME INSURANCE RESOURCES
Understand Your Home Insurance. Protect What Matters.
Homeowners Insurance 101: What Every Homeowner Should Know
Homeowners insurance can feel confusing, full of jargon and fine print, but the core concepts are more straightforward than they seem. Here’s a breakdown of…
Read the guideTiny Home Insurance 101: What Every Tiny Homeowner Should Know
Tiny homes offer freedom and flexibility, but insuring one isn’t always simple. Whether your tiny home is on a permanent foundation, built on wheels, or…
Read the guideInsurance Discounts & Savings 101: Ways to Lower Your Insurance Costs
Saving money on insurance doesn’t have to mean sacrificing valuable coverage. From bundling policies and safe driver discounts to home safety features and annual policy…
Read the guideNOBODY SHOPS ALONE.™