Compare Homeowners Insurance Quotes

Find coverage that makes sense for your home and your budget.

Currently Insured?
icon of policy documents

We help you understand and compare homeowners insurance quotes

Your home is one of the biggest purchases in your life. Our home insurance guides help you figure out what you need to protect it, while our tools find you local insurer options to compare.

How much do home insurance premiums vary?

After collecting thousands of quotes across dozens of insurers, we've estimated the average cost of homeowners insurance in each state.

bar graph of average costs of homeowners insurance in Florida, Texas, New York, Illinois, and California

See the best (and cheapest) home insurance companies in your state

Choose your state to see which insurers we found offer the lowest rates and best coverage features near you.

{"backgroundColor":"transparent","className":"","color":"#1F6DFD","defaultURLPattern":"\/best-cheap-homeowners-insurance-{state}","hoverColor":"#FAB400","map":"usa_en","stateType":"state","urlPatterns":{"":null}}

Compare major homeowners insurance companies

It's not always easy to know what sets an insurance company apart from the rest. Our in-depth reviews evaluate each insurer from a homeowner's perspective.

{"items":["\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/state-farm-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/us\/insurance\/statefarm-r\" alt=\" Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/state-farm-insurance-review\"\u003E \u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/allstate-auto-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/us\/insurance\/allstate-r\" alt=\" Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/allstate-auto-insurance-review\"\u003E \u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/progressive-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/us\/insurance\/progressive-r\" alt=\" Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/progressive-insurance-review\"\u003E \u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/erie-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/us\/insurance\/erie-r\" alt=\" Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/erie-insurance-review\"\u003E \u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/tower-hill-home-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/us\/insurance\/towerhill-1\" alt=\" Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/tower-hill-home-insurance-review\"\u003E \u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

Master the details of your home insurance policy

If you've ever had a question about how home insurance works, our experts have probably explored the answer in one of our detailed guides.

Standard homeowners insurance provides coverage in three major areas: your physical home, the belongings inside and your personal liability to third parties. These areas are covered against damage from causes like fire, wind and theft. Read more

When your house or belongings suffer damage that's caused by a peril — such as fire, wind or theft — that's covered by your policy, you can file a claim requesting your home insurance company pay for the costs of making you whole. The insurer then begins the process of verifying and paying your claim. Read more

If you currently have a mortgage balance, your lender probably requires that you carry homeowners insurance to protect your property. Even though there's no legal requirement for homeowners to have insurance, the lender requirement means that most people do need an active policy. Read more

The "best" homeowners insurance policy is one that provides enough coverage to protect the full value of your home and assets at a monthly rate that you can afford. Finding the best policy also requires you to understand whether you face any risks that aren't covered by standard insurance — like flooding. Read more

Read our latest work on home insurance

The Best and Cheapest Home Insurance Companies in Arkansas

by Matt Timmons

After researching 10 of the top home insurance companies in Arkansas, we recommend Travelers insurance for most homeowners. It has the best... Read More

The Best and Cheapest Home Insurers in Connecticut

by Matt Timmons

Our home insurance recommendation for most Connecticut homeowners is MetLife, as it offered rates that were 21% under the statewide average... Read More

As Homeownership Rates Recede, Renters Move in

by Chris Moon

Over the past ten years, renter households have grown in numbers far more quickly than the homeowner population. This trend can be seen not... Read More

Most and Least Affordable Cities in North Carolina for Homeowners and Renters

by Andrew Hurst

While North Carolina's largest cities are affordable for homeowners, the state's renters will have a harder time finding affordable housing... Read More

What Homeowners Need to Know About Insurance and Halloween

by Matt Timmons

Halloween is a wonderful occasion for spooky fun and delicious treats, but some take the opportunity to cause havoc. Here's how insurance... Read More

The Best and Cheapest Home Insurance Companies in Washington

by Matt Timmons

We recommend Mutual of Enumclaw as a great choice for home insurance in Washington. Its rates were much below the typical price we found in... Read More

Who Has the Cheapest Homeowners Insurance Quotes in Missouri?

by Chris Moon

We recommend Shelter Insurance as the best home insurance company for most Missouri homeowners, because it offers the best mix of... Read More

The Best and Cheapest Homeowners Insurance Companies in Michigan

by Matt Timmons

The best homeowners insurance company for most people in Michigan is Auto-Owners Insurance. Its rates are well below the statewide average... Read More

Most and Least Affordable Cities in Michigan for Homeowners & Renters

by Callie McGill

The affordability of housing costs for homeowners and renters in Michigan varies significantly based on the city in which you live. While... Read More

Pages