Whoo's got the best rate? We'll find out.
Insurance Coverage Options
We shop 20+ A-rated carriers to find the right coverage at the right price — no pressure, no confusion, no one-size-fits-all policies.
Homeowners Insurance
Your home is likely your biggest investment. We shop dozens of carriers to find a policy that covers your dwelling, personal property, and liability — at a price that makes sense for your budget.
- Dwelling & structural coverage
- Personal property protection
- Liability & medical payments
- Loss of use coverage
Flood & Earthquake Insurance
Standard homeowners insurance excludes both flood and earthquake damage. We offer NFIP and private flood options plus earthquake coverage to close those gaps before disaster strikes.
- Flood insurance — NFIP & private options
- Earthquake insurance for all seismic zones
- Dwelling & contents coverage available
- Renters can get contents-only policies too
Condo Insurance (HO-6)
Your HOA covers the building shell. An HO-6 condo policy covers everything from the walls in — your interior, your belongings, your liability, and your improvements. We find the right policy to fill every gap.
- Interior structure (HO-6) coverage
- Personal property protection
- Loss assessment coverage
- Improvements & betterments
Landlord Insurance (DP-3)
A standard homeowners policy won't cover a property you rent to others. A DP-3 landlord policy covers your dwelling, your rental income, and your liability as a property owner.
- Dwelling & structure coverage
- Loss of rental income
- Landlord liability protection
- Vandalism & malicious damage
Vacant Property Insurance
Standard policies stop covering vacant homes after 30–60 days. We work with specialty carriers to protect your unoccupied property — whether it's for sale, between tenants, or undergoing renovation.
- Fire, vandalism & theft coverage
- Liability protection
- Flexible 3–12 month terms
- Renovation & builder's risk add-on
Renters Insurance
Your landlord's policy covers the building, not your stuff. Renters insurance protects your personal belongings, covers liability if someone is injured in your home, and pays for temporary housing if you're displaced — all for less than you'd expect.
- Personal property coverage
- Liability & medical payments
- Loss of use / additional living expenses
- Affordable rates from top carriers
Wind/Hail Deductible Buy-Down
In hail-prone and high-wind states, your standard deductible can leave you with a massive out-of-pocket bill after a storm. A wind/hail buy-down policy reduces that exposure — a smart, affordable add-on for homeowners in vulnerable regions.
- Lowers your wind & hail deductible
- Ideal for CO, TX, MN & high-risk states
- Pairs with your existing home policy
- Fast, simple online quoting
3-Year Home Insurance Price Guarantee
Tired of your home insurance premium jumping every renewal? Lock in your rate for three full years. No surprise increases, no annual anxiety — just stable, predictable coverage from a carrier we trust.
- Rate locked for 3 full years
- No surprise renewal increases
- Available in select states
- Same great coverage, guaranteed price
Auto Insurance
From liability-only to full coverage, we find the right auto policy for your vehicle, your driving record, and your budget. We compare rates across top carriers so you don't have to.
- Liability, collision & comprehensive
- Multi-vehicle & multi-policy discounts
- SR-22 & high-risk driver options
- Roadside assistance & rental coverage
Classic & Collector Auto
Standard auto insurance depreciates your vehicle's value. Classic and collector car insurance pays what your car is actually worth — with Hagerty and other specialty carriers that understand your investment.
- Agreed value — no depreciation
- Classic, exotic & collector vehicles
- Flatbed roadside assistance
- Spare parts & restoration coverage
Personal Umbrella Insurance
When a lawsuit exceeds your auto or home liability limits, a personal umbrella policy picks up where they leave off — providing $1 million or more in additional protection for pennies a day.
- $1M+ excess liability coverage
- Covers auto, home & rental property
- Personal injury (libel, slander)
- Worldwide coverage
Life Insurance
Life insurance is one of the most important financial decisions you'll make. We help you compare term, whole, and universal life policies from top-rated carriers to find the right fit for your family and your budget.
- Term, whole & universal life
- Coverage from $50K to $10M+
- No-exam options available
- Instant online quotes
Health Insurance
Navigating health insurance is complicated. We simplify it — comparing individual and family ACA plans from top carriers across 46 states to find coverage that fits your health needs and your budget.
- Individual & family ACA plans
- Short-term health coverage
- Marketplace plan comparison
- Licensed in 46 states
Travel Insurance
Trip cancellation, medical emergencies abroad, lost luggage, and travel delays can turn any trip into a financial nightmare. We partner with TME Travel Insurance to get you covered before you go.
- Trip cancellation & interruption
- Emergency medical & evacuation
- Baggage loss & delay coverage
- 24/7 travel assistance
Supplemental Health & Short Term Medical
Short term medical, dental, vision, cancer, critical illness, and accident insurance — affordable plans that work alongside any health coverage or fill the gap when you have none.
- Short term medical, dental & vision plans
- Cancer, heart/stroke & critical illness coverage
- Accident insurance for ER visits & injuries
- Works alongside any health plan
Disability Insurance
Short-term and long-term disability insurance replaces up to 70% of your income if illness or injury keeps you from working — so your bills don't stop just because your paycheck does.
- Short-term & long-term disability options
- Replaces up to 60–70% of your income
- Own-occupation & any-occupation definitions
- Individual policies are fully portable
Group Health Insurance
Offering group health insurance is one of the most powerful tools for attracting and retaining top talent. We shop multiple carriers to find the right plan design — HMO, PPO, HDHP — that fits your workforce and your budget.
- HMO, PPO, and HDHP plan options
- Dental & vision add-ons available
- Coverage for employees and dependents
- ACA-compliant small and large group plans
Medicare
Choosing the right Medicare plan can be overwhelming. Our licensed Medicare brokers compare Advantage, Supplement, and Part D plans from top carriers — at no cost to you — so you get the coverage you need without the confusion.
- Medicare Advantage plans
- Medicare Supplement (Medigap)
- Part D prescription drug plans
- Free, unbiased guidance from a licensed broker
Small Business Insurance
From a home-based freelancer to a 50-person team, we find the right business coverage for where you are today and where you're headed. General liability, commercial property, workers' comp, and more.
- General liability & BOP policies
- Commercial property coverage
- Workers' compensation
- Professional liability (E&O)
Large Business Insurance
Large contractors, heavy industry, and enterprise businesses have unique and complex insurance needs. Our team works with you directly to build a comprehensive coverage program from our network of specialty carriers.
- Commercial umbrella & excess liability
- Contractor & builder's risk
- Fleet & inland marine coverage
- Tailored programs for complex risks
Pet Insurance
Unexpected vet bills can run into the thousands. Pet insurance helps you say yes to the care your pet needs without the financial stress. We partner with Spot to offer affordable accident, illness, and wellness plans.
- Accident & illness coverage
- Wellness & preventive care plans
- Coverage for dogs & cats
- Flexible deductible & reimbursement options
Common Questions
Frequently Asked Questions
What is an independent insurance agent?
An independent insurance agent works with multiple insurance carriers — not just one — so they can shop the market and find the best coverage at the best price for your specific situation. Unlike captive agents who represent a single company, independent agents like RightQuote are unbiased and work for you, not the insurer.
How much does it cost to get a quote from RightQuote?
Getting a quote from RightQuote is completely free. There are no fees, no obligations, and no pressure. We compare rates from 20+ A-rated carriers and present you with your best options.
What states does RightQuote operate in?
RightQuote is licensed in 46 states across the U.S., with offices in Colorado Springs CO, Maple Grove MN, and Tempe AZ. We can help clients in most states find the right insurance coverage.
What types of insurance does RightQuote offer?
RightQuote offers homeowners insurance, auto insurance, life insurance, health insurance, Medicare plans, small business insurance, large commercial insurance, wind and hail coverage, 3-year rate-lock policies, and pet insurance — all through 20+ A-rated carriers.
Can RightQuote bundle my home and auto insurance?
Yes. Bundling home and auto insurance is one of the most effective ways to save money. Because RightQuote works with multiple carriers, we can find the bundle that gives you the best combined discount across both policies.
How do I get started with RightQuote?
Simply click "Get a Quote" on any page or visit our contact page. One of our licensed agents will reach out to gather a few details and start comparing rates from our carrier network — typically within one business day.
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