Cheapest Home Insurance
Discover 3 deals available this month.
1.USAA Home Insurance
USAA offers home insurance at $70 per month for $200,000 dwelling coverage, exclusively for military members and their families. It is the cheapest option available in the market as of February 2026.
View Deal →Military members and their families will find USAA's home insurance both affordable and tailored to their needs, with standout savings at just $70 monthly. Its exclusivity to military personnel makes it a unique value in the home insurance landscape.
Pros:
- Lowest monthly rate at $70 for $200,000 coverage
- Coverage available specifically for military members and families
- Consistently cheapest overall in the US market
Cons:
- Only available to military members and their families
- Coverage details limited to $200,000 dwelling coverage
- No information on bundling or additional discounts
2.Geico Home Insurance
Geico Home Insurance offers rates starting at $75 per month for $200,000 dwelling coverage, with savings potential when bundled with auto insurance. It provides an affordable option for homeowners seeking combined insurance plans.
View Deal →At $75 per month, Geico provides a competitively priced home insurance option that pairs well with its auto policies for added savings. Homeowners looking to streamline their insurance under one provider will find this particularly convenient.
Pros:
- Affordable starting rate of $75 per month for $200,000 dwelling coverage
- Potential discounts when bundling with Geico auto insurance
- Widely accessible across the United States
Cons:
- Not the absolute cheapest option available
- Limited information on coverage options beyond standard dwelling coverage
- No special eligibility requirements mentioned, possibly less tailored than niche providers
3.Nationwide Home Insurance
Nationwide Home Insurance offers coverage starting at $70 per month for standard plans and $168 per month for $1 million dwelling coverage. These rates provide options for both basic and higher-value home insurance needs.
View Deal →Affordable pricing with flexible coverage amounts makes Nationwide a practical choice for homeowners seeking both standard and premium protection options. Its tiered pricing caters to a range of property values without sacrificing budget concerns.
Pros:
- Low starting rate of $70 per month for standard coverage
- Option for $1 million dwelling coverage at $168 per month
- Affordable pricing suitable for various home values
Cons:
- Higher cost for premium $1 million coverage compared to standard plans
- No mention of special discounts or bundling deals in the research
- Less competitive for those seeking the absolute lowest rates at lower coverage levels
Final Words
To secure the best home insurance deal this February, take time to compare offerings like USAA, Geico, and Nationwide based on your coverage needs and eligibility. You can explore current rates and discounts to ensure your policy provides the right protection at the most affordable price for you.
Frequently Asked Questions
USAA Home Insurance offers the lowest rate at $70 per month for $200,000 dwelling coverage, making it the cheapest overall option. It is exclusively available to military members and their families.
USAA Home Insurance is available only to military members and their families. This exclusivity helps them offer some of the lowest rates in the market.
USAA charges $70 per month for $200,000 dwelling coverage, which is the most affordable rate currently available in the US market.
Yes, bundling home and auto insurance can often lead to savings. For example, Geico Home Insurance offers rates starting at $75 per month for $200,000 dwelling coverage and is ideal for bundling with auto insurance.
Nationwide offers low rates starting at $70 per month for standard coverage and $168 per month for $1 million dwelling coverage, providing options based on your coverage needs.
When comparing deals, consider eligibility requirements, coverage limits, and whether bundling with other insurance types is possible. Also, check the monthly premiums and the insurer’s reputation for customer service.
