Money · Community report
Shop for home insurance quotes
Shop for home insurance quotes. Get competing quotes checked against what you have now before you decide anything.
What you can get
Reaches your accounts Creates or changes things in accounts you connect, with your approval.
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It does
- Requests quotes using property details you approve
- Compares results against your current policy
- Does not buy or cancel a policy without your explicit approval
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It stops and asks
- Before requesting quotes: confirm the exact type of coverage being compared.
- Before choosing: compare coverage line by line, not just the total.
- Before cancelling an old policy: confirm the new one is active first.
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You approve
- Your approval of what property and personal details are shared
- No authority to buy or cancel a policy
Derived from this task's own brief and steps, not from the source.
- Define the coverage typeStops for your approval
Homeowners, contents, or both.
- List current coverage
Limits, deductibles, and renewal date.
- Request matched quotes
Same coverage type and level from several insurers.
- Compare and decideStops for your approval
Review differences; you choose whether to switch.
Editorial, not from the source
Works when
- You know which type of home insurance you're comparing.
- You have your current policy's details on hand.
- You'll make the final decision on any switch yourself.
Does not work when
- You're not sure whether you need structure, contents, or both compared.
- You want a policy bought and the old one cancelled automatically.
- Your property has unusual risk factors that need a specialist's judgment.
Shop for home insurance quotes: review template
| Item | What it's based on | Status |
|---|---|---|
| [Coverage type] | [Homeowners / contents / both] | [Confirmed] |
| [Current policy] | [Your coverage and limits] | [Listed] |
| [Quotes] | [Insurer offers on matched coverage] | [Compared] |
The source case
Two reports on X describe Instinct shopping for home-related insurance. @anothercohen lists having it shop for new homeowners insurance among several tasks tried during a 48-hour trial, but gives no outcome for that specific task before deleting the account over broader privacy concerns, unrelated to this task's result. Separately, @mitchmalone reports Instinct got 11 competing quotes for home contents insurance and saved $150. Homeowners insurance and home contents insurance are not the same product; the first typically covers the structure and liability, the second covers belongings. Checked on 2026-10-09 as two individual reports.
A public report by someone outside this library. Not independently reproduced here.
From the source
Source excerpt
had it shop for new homeowners insurance, book a doctor's appointment online, search for travel, manage my LinkedIn notifications).
Source excerpt
Instinct just got me 11 competing insurance quotes for my home contents insurance and saved me $150.
Quoted from the original posts. Not written by this guide, and not a result produced here.
Suggested prompt
Bring Current policy details, Property details insurers require (address, construction, etc.). Acts Requests quotes using property details you approve. Compares results against your current policy. Does not buy or cancel a policy without your explicit approval. Source community report, checked 2026-10-09.
Written by this guide as a starting point, not quoted from the source. Your edits stay in this browser.
Other ways to ask
Editorial rewrites of the brief above, for a different emphasis. Copy them separately.
What you need
Editorial, not from the source
You supply
- Current policy details
- Property details insurers require (address, construction, etc.)
Connected
- Insurer quote forms, using only approved details
How to try it
Editorial, not from the source
- Confirm exactly what kind of policy you're shopping: structure and liability, contents, or both.
- Give it your current coverage, limits, and renewal date.
- Ask for quotes from several insurers on the same type and level of coverage.
- Review the comparison yourself; buying or cancelling a policy is your decision.
Know which kind of home insurance you mean
'Home insurance' covers more than one product, and the two reports behind this page land on different ones. One mentions homeowners insurance, which typically covers the structure and liability, without saying what came of asking for quotes. The other reports contents insurance, covering belongings rather than the building itself, with eleven competing quotes and a $150 saving over the existing policy. Before asking for quotes, be clear with yourself and with the agent about which of these, or both, you actually need compared, since the two products protect against different losses. Treating them as interchangeable risks a comparison that leaves out coverage you actually rely on, or pays for coverage you don't need at all.
One report ends without a result
The homeowners insurance task is one item in a list of several the author tried during a short trial before deleting the account entirely, and no outcome for that specific task is given anywhere in the post; the account was closed over broader comfort with the level of access granted, not because this particular task was reported as failing. That gap is worth naming rather than quietly filling in with an assumed success: there's no confirmed result to point to for homeowners insurance specifically, only a report that it was attempted among several other things. The contents insurance report, by contrast, states quotes received and a specific dollar saving, which is a more complete, if still single, data point to work from.
Compare like with like, then decide calmly
Whichever type of home insurance you're shopping, the same discipline applies: request quotes for the same coverage type and limits as your current policy, not just the lowest headline number an insurer happens to offer that day. Ask for every difference to be named explicitly, since a contents policy with a lower payout cap or a homeowners policy with a higher deductible can look cheaper on paper while actually covering meaningfully less if something goes wrong. If a quote does turn out better once matched properly, buy it and confirm its exact start date before cancelling the old policy, so your property is never left without coverage, even for a day while the paperwork catches up.
Open Instinct to try it. That is the product's own site; this guide is not part of it.
Limits and confirmation points
- One report gives no outcome for the specific task; the other reports a saving but for a different product (contents, not structure) than the spec's original framing.
- Homeowners and home contents insurance cover different things; don't assume a result for one applies to the other.
- Neither report confirms whether compared coverage levels matched exactly.
- This is not insurance advice, and nothing here authorizes buying or cancelling a policy without you.
Editorial, not from the source
- Before requesting quotes: confirm the exact type of coverage being compared.
- Before choosing: compare coverage line by line, not just the total.
- Before cancelling an old policy: confirm the new one is active first.
Editorial, not from the source
- You're not sure if a quote covers the same thing as your current policy
- Ask explicitly whether it's structure, contents, or both, and compare only matching types.
- A quote is much cheaper with no clear reason
- Check its coverage type and limits before assuming it's a straightforward saving.
- An insurer needs a call to finalize the quote
- Take that call yourself; final pricing is often set only once full details are checked.
Common questions
Can Instinct shop for home insurance?
Two users report trying this: one shopped for homeowners insurance with no stated outcome, the other got 11 contents insurance quotes and saved $150. This directory has not reproduced either.
Is homeowners insurance the same as contents insurance?
No. Homeowners insurance generally covers the structure and liability; contents insurance covers belongings. Be clear which one you want compared.
What do I need to give it?
Your current policy's coverage and limits, plus property details insurers typically require.
Will it buy a policy for me?
No. Comparing quotes and deciding whether to switch are separate steps; buying and cancelling are left to you.
Is a saving guaranteed?
No. One of the two reports behind this page gives no outcome at all. Treat any saving as possible, not expected.
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