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Q: What types of homeowners insurance does Harvest offer?

Harvest can help review homeowners, condo, renters, rental property, mobile home, flood, and umbrella options through available carriers in the states it writes.

Q: How much does homeowners insurance cost?

Cost varies by state, wind zone, roof age, claims history, coverage limits, and carrier appetite. Harvest compares the actual quote options available for the household or business.

Q: What does a standard homeowners policy cover?

Standard homeowners policies commonly include dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. Coastal wind and flood can require separate terms or policies.

Q: How do I file a claim?

Existing customers can call Harvest or use the customer portal. A Harvest agent can help track the claim from first notice through settlement.

Q: Will Harvest re-shop my policy at renewal?

Harvest can review renewal options and compare available carriers before the next term so customers can evaluate meaningful savings and coverage tradeoffs.

Q: Does Harvest write commercial policies too?

Yes. Harvest supports commercial property, business owners policies, general liability, workers compensation, builders risk, and commercial auto where available.

Compare home, auto, and commercial coverage with licensed Harvest agents who shop multiple carriers on your behalf.

4.9 2,275 Google reviews Trusted by 50,000+ members

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Harvest insurance agent reviewing homeowners coverage with a customer

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Progressive★★★★★ $$/mo

Travelers★★★★★ $$/mo

State Farm★★★★★ $$/mo

Market Average $4,500/yr

Our Members $2,496/yr

Coverage

Every Line, One Carrier Search.

Personal and commercial coverage from A+ rated carriers, handled by one Harvest team.

120+carrier options reviewed 1application across lines 50k+members supported

Illustrated homes showing different property types Harvest can quote

Policies

Home Coverage Where We Write.

We work for you, not the carrier. Harvest compares the carriers available in your state and helps surface the best fit.

Live carrier rates — no marketing fluff, just the actual numbers.
Hurricane-ready coverage matched to your wind zone.
One application, every quote — apply once, see them all.

Compare home rates Talk to an agent

Customer Portal

Your Policy, in Your Pocket.

Manage policies, file claims, make payments, and get support from one signed-in dashboard.

24/7 live support from a real licensed agent.
Manage every policy in one signed-in dashboard.
Make payments securely from any device.

Open Glovebox app Existing customers

Smiling Harvest insurance agent portrait illustration

Technology + Humans

Smarter Tools. Real Agents.

Quote faster with modern tools, then talk to a dedicated licensed agent whenever you want help.

AI-backed quoting compares carriers in seconds, not days.
A dedicated agent assigned to your household — by name.
Rate Watch renews you at the best price every term.

Start your quote

Where we write

Coverage in 8 States.

Florida-built, expanding state by state with the same carriers, agents, and renewal support.

FloridaHome · Auto · Commercial AlabamaHome · Auto · Commercial GeorgiaHome · Auto · Commercial South CarolinaHome · Auto · Commercial North CarolinaHome · Auto · Commercial TennesseeHome · Auto · Commercial TexasHome · Auto · Commercial ArizonaHome · Auto · Commercial

A+ Rated Carriers · 5-Star Customer Service

We pride ourselves on providing the best customer service in the industry — every step of the way, every renewal, every claim.

4.9

Based on 2,275+ verified Google reviews

Shelly

2 weeks ago

"Harvest got us the lowest rate (by far) of the five companies I quoted. Saved us nearly $1,800 a year on the same coverage."

✓ Verified Customer

Todd

1 month ago

"This was hands-down the best experience I've ever had buying a homeowners policy. Smooth, fast, no pressure."

✓ Verified Customer

Ryan

3 days ago

"I had the pleasure of working with Harvest, and I have to say, it was a fantastic experience. Highly recommend."

✓ Verified Customer

Helpful answers

Insurance Made Clear.

Common answers about coverage, cost, claims, and renewals.

What types of homeowners insurance does Harvest offer?

HO-3, HO-5, HO-6 (condo), HO-4 (renters), DP-1/DP-3 (rental property), mobile home, flood (NFIP and private), and umbrella — through every major admitted carrier in the states we write.

How much does homeowners insurance cost?

The 2026 Florida average is roughly $4,500/yr for a $400k home; our members average $2,496/yr. Costs vary heavily by state, wind zone, and roof age — your dedicated agent quotes the actual number.

What does a standard homeowners policy cover?

Dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. Wind/hurricane and flood are typically separate or have a separate deductible in coastal states.

How do I file a claim?

Tap "Existing Customers" or call (561) 621-3131. Your dedicated agent stays on the claim with you from first notice through settlement — and we never hand you off to a 1-800 number.

Will Harvest re-shop my policy at renewal?

Yes — Rate Watch automatically re-shops your policy 60 days before renewal across every carrier we represent and flags any savings worth taking.

Does Harvest write commercial policies too?

Yes — general liability, BOPs, commercial auto, workers' comp, builders risk, and multi-location property. Tap "Commercial" above and an agent will handle it end-to-end.

Compare Every CarrierShop & Save in Minutes

Every Line, One Carrier Search.

Home

Auto

Commercial

Home Coverage Where We Write.

Your Policy, in Your Pocket.

Smarter Tools. Real Agents.

Coverage in 8 States.

Insurance Made Clear.

See Real Rates.