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

Most and Least Affordable Cities in New York for Homeowners & Renters

by Callie McGill

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

Heritage Home Insurance Review: Florida-Based Insurer Sells Basic Policies With Below-Standard Customer Service

by Mark Fitzpatrick

Reviewing Heritage Property & Casualty Co., we found a home insurance company that provides basic policies and little more. Read More

Renovating Your Home? 3 Ways It Can Save Money on Home Insurance

by Mark Fitzpatrick

Renovating a home can be a big investment, but homeowners can get major savings on their home insurance policy, especially those with older... Read More

Worthwhile Renovations to Increase the Value of Your Home

by Callie McGill

Learn how to maximize the value of your home through various renovations, while abiding to proper building codes. Read More

What is an Insurance Peril? Definition and Examples

by Matt Timmons

Peril definition: In insurance, a peril is a specific cause of bodily injury or property damage. Insurance exists in part to help you... Read More

Where Have Property Taxes Increased the Most?

by Maxime Croll

The median home value in the United States has risen by over $18,000 from 2007 to 2017, and American homeowners saw an average increase of... Read More

What Is An HO-3 Homeowners Insurance Policy?

by Mark Fitzpatrick

An HO-3 insurance policy, known as an HO-3 special form homeowners insurance policy, is the most common type of home insurance on the... Read More

Are Smart Device Home Insurance Discounts Worth It?

by Mark Fitzpatrick

As an increasing number of insurance companies have partnered with smart device makers, purchasing a smart device is a handy way to save on... Read More

Should I Consider a High Value Home Insurance Policy?

by Matt Timmons

High value home insurance provides an array of extra coverages and services not available through typical insurers. But it's only available... Read More

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