Compare Homeowners Insurance Quotes

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

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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.

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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.

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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 Homeowners Insurance Companies in Alaska

by Andrew Hurst

Here are our picks for the best and cheapest homeowners insurance companies in Hawaii. Click to compare homeowners insurance rates across... Read More

The Best and Cheapest Homeowners Insurance Companies in Hawaii

by Andrew Hurst

Here are our picks for the best and cheapest homeowners insurance companies in Hawaii. Click to compare homeowners insurance rates across... Read More

The Best and Cheapest Homeowners Insurance Companies in Colorado

by Matt Timmons

The best price for home insurance in Colorado is $1,681. But we don't recommend buying homeowners insurance based on price alone. Read More

It's Time to Run Your 2020 Home Insurance Checkup

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Thousands of homeowners lost their homes to fires in recent months. As the new year gets under way, conduct your own home insurance checkup... Read More

The Best and Cheapest Home Insurance Companies in Delaware

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We found that your best price for home insurance for a typical homeowner in Delaware is $913 per year. But we recommend homeowners look for... Read More

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by Bailey Peterson

Are millennials more traditional than older generations when it comes to Christmas? ValuePengiun's survey found that millennials are... Read More

The Best and Cheapest Homeowners Insurance Companies in New Hampshire

by Matt Timmons

We looked at the best homeowners insurance companies in New Hampshire and found that you can pay as little as $533 for coverage. However,... Read More

Urban Migration Patterns Show a Majority Leaving Biggest Metros for More Affordable Markets

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While city-dwellers rarely chose to leave the urban setting entirely, the biggest MSAs saw hundreds of thousands leaving for smaller cities... Read More

Most American Gun Owners Want Tougher Legislation — and Not Just in Blue States

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Over half of all gun owners — including a majority of Republicans — favor new laws which would limit assault weapons through weapons bans... Read More

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