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

Tower Hill Homeowners Insurance Review: Competitive Rates and Customer Service

Tower Hill provides well-priced insurance to Florida homeowners, with dependable customer service. Read More

At-risk Homeowners Are Overpaying For Flood Insurance With The NFIP

The private flood insurance market could save homeowners up to 65% for homes with low elevation and coverage levels. Read More

Do I Need Flood Insurance in North Carolina? How Much Does it Cost?

Though flood insurance isn't a legal requirement for North Carolina homeowners, some homes at high risk of flooding may need it in order to... Read More

Do I Need Condo Insurance in Chicago? How Much Does It Cost?

Condominium insurance is not a legal necessity in the city of Chicago, though your condo board or mortgage company might require you to buy... Read More

Still Rebuilding After Irma: One Man’s Lesson for Hurricane Florence Homeowners

Over a year later, Brian Helms is in an ongoing fight with his insurance company to rebuild his home in the Florida Keys. Read More

How Does California FAIR Plan Insurance Work?

The California FAIR Plan is an insurance association that offers coverage to high-risk homeowners in the state who have trouble obtaining... Read More

Cost of Flood Insurance in Louisiana and How Coverage Works

Flood insurance is optional for most Louisiana homeowners, but it's worth considering even if you do not live in a high-risk flood area.... Read More

Citizens Property Insurance Review: Low Rates but Limited Offerings From the Government Insurer

Citizens Property Insurance is a Florida government entity that will only offer you homeowners insurance if you can't find it anywhere else... Read More

Homeowners Insurance Companies Give IoT Perks to Customers

Preventing disasters is the new name of the game, which is good news for homeowners. Read More