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Best Home Insurance Offers
Updated today · Sorted by best value
Home Rabbit is a free comparison service. We may receive compensation when you click on offers, which can influence where they appear. It never influences our editorial rankings, which are based on rates, coverage, and user experience.
Most homeowners set their policy once and never look again. That autopilot is exactly what rising premiums count on.
Re-shop every renewal
Premiums have climbed sharply in recent years, and loyalty rarely earns a discount. A ten-minute comparison at renewal is the single highest-value habit a homeowner can have.
Insure rebuild cost, not price tag
Your coverage should match what it costs to rebuild your home, not what you paid for it or what Zillow says. Construction costs move fast; review your dwelling limit yearly.
Bundle, then verify
Bundling home and auto often unlocks real discounts, sometimes advertised up to 25%. But verify the bundle actually beats two separate best-in-class policies. Sometimes it does not.
Home insurance questions, answered
Does comparing quotes hurt my credit?
No. Insurance quotes use a soft inquiry that never affects your credit score, no matter how many carriers you compare.
What actually drives my premium?
Location and rebuild cost matter most, then your deductible, claims history, roof age, and safety features. Raising your deductible and updating an old roof are the two levers homeowners control most directly.
Can I switch mid-policy?
Yes. You can switch any time, and most carriers refund the unused portion of your premium. If you have a mortgage, your new carrier and servicer handle the escrow handoff.
Best HELOC and Home Equity Offers
Updated today · Sorted by best value
Home Rabbit is a free comparison service. We may receive compensation when you click on offers, which can influence where they appear. It never influences our editorial rankings, which are based on rates, fees, and user experience.
Your equity is the gap between what your home is worth and what you owe. Here is how the three ways of using it differ.
HELOC: the flexible line
A revolving credit line secured by your home. Draw only what you need, pay interest only on what you use, and reuse the line during the draw period. Rates run far below credit cards because your home backs it.
Home equity loan: the lump sum
One fixed amount, one fixed rate, one predictable payment. Best when you know exactly what a project costs and want the certainty of a locked payment schedule.
Equity agreements: no payments
Companies like Hometap and Unlock give you cash today in exchange for a share of your home's future value. No monthly payment and easier qualification, settled when you sell or at term.
HELOC questions, answered
How much can I borrow against my home?
Most lenders let you borrow up to 80 to 85% of your home's value minus what you still owe on your mortgage. On a $400,000 home with $250,000 owed, that is roughly $70,000 to $90,000 of accessible equity.
HELOC or cash-out refinance?
If your current mortgage rate is lower than today's rates, a HELOC usually wins because it leaves your first mortgage untouched. A cash-out refinance can make sense when today's rates beat your existing rate.
What are draw and repayment periods?
A typical HELOC gives you about 10 years to draw funds, often with interest-only payments, then about 20 years to repay principal and interest. Know when your draw period ends; the payment jump surprises people.
Best Mortgage Refinance Offers
Updated today · Sorted by best value
Home Rabbit is a free comparison service. We may receive compensation when you click on offers, which can influence where they appear. It never influences our editorial rankings, which are based on rates, fees, and user experience.
A refinance is just swapping your mortgage for a better one. The math works in more situations than most homeowners realize.
The classic: rates dropped
The old rule of thumb says a refi is worth a look when you can cut your rate meaningfully, often around a point. But run the real math: savings per month versus closing costs tells you your break-even.
The overlooked one: YOU improved
If your credit score is meaningfully higher than when you bought, you may qualify for a better rate even if market rates have not moved. Dropping PMI once you cross 20% equity is the same trick.
Know your break-even month
Divide closing costs by monthly savings. If the answer is 24 months and you will stay 10 years, refinance. If you might move next year, do not. That one division answers most refi questions.
Refinance questions, answered
How much does refinancing cost?
Typically around 2 to 6% of the loan amount in closing costs, though no-closing-cost options exist that fold fees into the rate. Always compare loan estimates from at least two lenders; the fee spread is real money.
Will refinancing hurt my credit?
Shopping around triggers hard inquiries, but scoring models count multiple mortgage inquiries within a short window, roughly 14 to 45 days, as a single event. Compare aggressively inside that window.
What is a cash-out refinance?
You replace your mortgage with a larger one and take the difference in cash, using your equity. It can fund renovations or consolidate debt, but remember it resets your loan and puts your home behind the borrowing.
Best Reverse Mortgage Offers
Updated today · Sorted by best value
Home Rabbit is a free comparison service. We may receive compensation when you click on offers, which can influence where they appear. It never influences our editorial rankings. Home Rabbit is not a lender and is not affiliated with HUD, the FHA, or any government agency.
Good to know: Home Rabbit is a private comparison site, not a lender, and we are not affiliated with HUD, the FHA, or any government agency. Federally insured reverse mortgages (HECMs) require a session with an independent HUD-approved counselor before you can proceed. That session protects you; treat it as a feature, not a hurdle.
Before you decide
Reverse mortgages, without the mystery
After decades of paying the house, the house can pay you. Here is how it actually works.
The arrangement, in one card
Homeowners 62 and older borrow against their equity with no monthly mortgage payments. The loan settles later, when the home is sold or no longer your primary residence. You stay the owner the whole time.
Three ways to take the money
Lump sum, monthly payouts, or a line of credit you tap when needed. Retirees who are house-rich and cash-tight often use the monthly option to turn a paid-off home into breathing room.
What stays your job
Property taxes, homeowners insurance, and upkeep remain your responsibility. Fall behind on those and the loan can come due, so budget for them like always.
Reverse mortgage questions, answered
Do I still own my home?
Yes. You keep the title and can live in the home as long as it remains your primary residence and you keep up taxes, insurance, and maintenance. The lender holds a lien, just like a regular mortgage.
What happens to my heirs?
When the loan comes due, heirs can repay it and keep the home, or sell the home and keep any remaining equity. Federally insured HECMs are non-recourse: heirs never owe more than the home's value.
How much can I get?
It depends on your age, your home's value, current rates, and any existing mortgage balance that must be paid off first. Older borrowers with more equity qualify for more. A quick eligibility check gives you a real estimate.
Comparing offers from America's top lenders and carriers
How it works
Three steps to a better deal
No jargon, no pressure, no catch. Just the offer you should actually be taking.
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Pick your product
Insurance, HELOC, refinance, or reverse mortgage. Every category is ranked and updated daily.
2
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Rates, terms, and real user ratings in one view. Browsing never touches your credit.
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Go straight to the partner's secure site and finish in minutes. We never charge you a dime.
$0average equity held by U.S. homeowners with mortgages (est.)
Homeowners who compare put it to work.
Your home is probably your biggest asset, and the offers around it, insurance, credit lines, refinancing, are exactly where lenders count on you not shopping. The homeowners who compare are the ones who keep the difference.
of your home's value that lenders typically let you borrow against, minus what you owe
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Customer reviews
Homeowners who compared first
Real homeowners, real numbers, zero pressure.
★★★★★
"My home insurance renewal jumped for the third year straight. Ten minutes of comparing and I found the same coverage for $58 less a month. I had just been autopaying the increases."
Renee W.
Tampa, FL
Saved $696/yr
★★★★★
"We wanted to redo the kitchen without touching our 3% mortgage. The HELOC comparison made it obvious which lender had the best draw terms. Kitchen's done, mortgage untouched."
Marcus J.
Denver, CO
Kept his 3% rate
★★★★★
"Mom is 74, house paid off, pension stretched thin. The reverse mortgage estimate took a minute and the counselor session answered every question we had. It changed her month-to-month completely."
Elaine P.
Scottsdale, AZ
Monthly breathing room
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