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

Is There a Flood Insurance Waiting Period?

by Andrew Hurst

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?

by Chris Moon

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

Nearly Half of Homeowners Don't Know What Their Insurance Policy Covers

by Maxime Croll

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

Flood Insurance in Connecticut: How Much It Costs and When You Need Coverage

by Chris Moon

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: What Is It and What Does It Cover?

by Andrew Hurst

Storage unit insurance is part of the protection that a homeowners or renters insurance policy grants to your belongings no matter where... Read More

Flood Insurance in Massachusetts: How Much it Costs and When You Need Coverage

by Chris Moon

The average annual cost of flood insurance in Massachusetts is $1,251 for policies sponsored through FEMA's National Flood Insurance... Read More

Cost of Flood Insurance in Pennsylvania and How to Find Cheap Coverage

by Chris Moon

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

Cost of Flood Insurance in Georgia and How to Get Coverage

by Chris Moon

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

Does Homeowners Insurance Go Up After a Claim?

by Andrew Hurst

It’s possible for your home insurance to go up after you make a claim. Whether your premiums rise depends on what type of claim you make,... Read More

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