Getting a homeowners insurance policy begins with a quote from a provider. Insurance companies underwrite and price their policies differently and it's best to shop around multiple insurers to find the best price and policy that suits your needs. Receiving a quote can be completed online or by contacting an agent. Before getting a quote, determine what type of policy, deductible, and coverage limits, plus any additional coverage like flood or umbrella coverage you need. Make sure your deductible is not higher than what you can afford to pay out of pocket. Ask for any current promotions or discounts.