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.
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.
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.
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
In 2018, natural disasters caused $160 billion in damage across the U.S. For that reason, it's more important than ever for homeowners to... Read More
On average, flood insurance costs Connecticut homeowners nearly $1,400 each year. Find out the difference between NFIP and private flood... Read More
Storage unit insurance is part of the protection that a homeowners or renters insurance policy grants to your belongings no matter where... Read More
The average annual cost of flood insurance in Massachusetts is $1,251 for policies sponsored through FEMA's National Flood Insurance... Read More
Flood insurance in Pennsylvania costs an average of $1,176 each year. Your mortgage lender may require that you get flood insurance if you... Read More
The average cost of flood insurance in Georgia is $684 per year. State law doesn't require flood insurance, but mortgage lenders often do.... Read More
Two-thirds of renters in large Illinois cities were found to contribute over 30% of their annual income to housing, while homeowners are... Read More