Look 1st to bundle with your other insurances (such as auto).
I use Geico for both, found it to be cheapest for me. They knocked about 20% of my monthly homeowners off since they were my auto insurer. But I know other people for whom Geico was not the cheapest rate, and found cheaper bundles in different regions. But they all got a discount on 1 or both policies by combining.
rixer wrote:I got a good price with Mercury Casualty. Over half off what I was paying.
I think it's all a matter of timing.
When I left Geico/Travelers (and I had been with Geico for about 30 years) I saved half or more when I put home, auto and umbrella with Amica.
(Of course, in the past couple of years prices have begun to creep back up...but I've no doubt that they'd be as much or more with the others and i wasn't happy with Travelers in any case. They were overpriced and I was underwhelmed.)
“Tactics without strategy is the noise before defeat.” - Sun Tzu | "Everybody has a plan until they get punched in the mouth." - Mike Tyson
You might want to deal with a broker that will compare bundled rates from different insurance companies. When you get into the details with each policy and company it may muddy the waters, and this is what a broker should be able to deal effectively with. What matters is the bottom line for combined coverage. I bundle home, auto, and umbrella.