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

How to Make a Home Inventory

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Natural Disaster Insurance: What Does It Cover?

Despite the coverage you get from a typical homeowners policy, your policy doesn't cover common disasters like floods and earthquakes. Read More

Tips for Making Homeowners Insurance Claims

If you have to file a homeowners insurance claim, knowing how to deal with your insurance provider can affect whether your claim is... Read More

What Is Moving Insurance?

Moving insurance comes in three forms: released-value protection, full-value protection and third-party liability protection. Read More

States Where Homeowners Are Most at Risk from Climate Change

We looked at the states most at risk from projected rising ocean levels, and how current weather events are leading to higher insurance... Read More

Do Insurance Companies Cover Wood Stoves?

Home insurance companies usually cover wood stoves or pellet stoves as long as they're professionally installed and inspected. Find out how... Read More

Is Homeowners Insurance Required?

You are not legally required to have homeowners insurance, but your mortgage probably requires it. Home insurance is an effective way to... Read More

Is There a Flood Insurance Waiting Period?

Flood insurance policies usually come with waiting periods of 14 to 30 days. The difference depends on whether you obtain coverage through... Read More

How Much is Flood Insurance in Minnesota and When Do You Need It?

At an average annual cost of $900, flood insurance coverage in Minnesota is a substantial addition to your existing costs as a homeowner.... Read More