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Get a quoteSee your price in about three minutes.
No credit check, and no call unless you ask for one. Answer a few plain questions and we'll show you a starting price on the spot. Nothing here is binding — it's just a number to think about.
Here's your starting price
This is an estimate based on what you told us. Your final price is confirmed after a quick check — no credit search involved.
Talk it through with an agentWhat actually moves your price
No black box. Four things do most of the work, and you can change some of them to bring the number down.
Where you live
Your ZIP sets the baseline — local weather, crime and repair costs all feed in. It's the one thing we can't change for you.
What you're covering
Rebuild cost, car value or the payout you choose. More cover costs more — we help you land on what's actually enough, not the biggest number.
Your deductible
The part you pay before we do. Choose a higher deductible and your monthly price drops — your quote shows both options side by side.
Discounts you've earned
Bundling, a claims-free history, paperless billing and more. We apply every one you qualify for automatically — see the full list below.
Ways to pay less, applied automatically
You don't have to ask for these. If you qualify, they're already in the price you're quoted.
| Discount | Typical saving | How you qualify |
|---|---|---|
| Bundle two policies | up to 18% | Hold any two Harbor policies — say home and auto |
| Claims-free | up to 15% | No at-fault claims in the last three years |
| Paperless & autopay | 6% | Go paperless and pay automatically each month |
| New-home / new-roof | up to 12% | Home built or re-roofed in the last 10 years |
| Safe-driver | up to 10% | Clean licence; optional telematics can add more |
| Pay-in-full | 4% | Pay the year up front instead of monthly |
Savings are illustrative and vary by state, policy and eligibility. Discounts can't reduce a premium below our filed minimums, and some can't be combined. Your quote shows exactly which ones applied to you.
Before you get a quote
Does getting a quote affect my credit?
No. We don't run a credit search to quote you, and getting a price here leaves no mark on your credit file. A soft check may happen later only if you decide to buy, and we'll tell you before it does.
Is the price I see the price I'll pay?
It's a close estimate based on what you tell us. The final figure is confirmed once we verify a couple of details — which is usually quick, and often lands lower once every discount you qualify for is applied.
Will someone call me straight away?
Only if you ask. Saving your quote lets you pick it back up later; it doesn't put you into a call queue. When you do want to talk, an agent is on the line in about 41 seconds on average.
Can I get a quote for more than one thing at once?
Yes — quote home and auto together and you'll see the bundle discount straight away, up to 18%. Pick a type above to start, then add the others when you talk to an agent.
What if I'm switching from another insurer?
Most insurers refund the unused part of your premium when you cancel. We'll help you time the switch so you're never double-covered or left with a gap — and if switching now would cost you money, we'll tell you to wait.
Ready when you are
Scroll back up and start your quote, or talk it through with a real person first.