Find the best home insurance
No matter what type of roof is over your head, from an apartment to a mobile home, we have expert home insurance recommendations.
What home insurance covers
Home insurance covers more than your house. It also covers detached structures on your property, all of your belongings and liability if you’re responsible for injuries or damages to someone else. It even covers the extra costs of living elsewhere if you can't live at home during repairs for a covered loss.
Learn more about what a standard home insurance policy covers.
Compare home insurance rates by state
Understanding home insurance: Questions, answers and more
Find the answers to common home insurance questions and learn more about how homeowners insurance works, from natural disasters to burglary.
Compare home insurance rates by ZIP code
Shop for home insurance
Before you compare home insurance quotes, make sure you know what you’re looking for in a company and how much coverage you need.
5 important things to know as you compare home insurance
Save on homeowners insurance
Home insurance rates are going up. We’ve got expert tips to help you save money.
Types of home insurance policies
Get the right policy for the place you call home.
Home insurance FAQ
What is the cheapest home insurance?
What you pay for coverage depends on many factors, including the age, location, and materials of your home. However, the cheapest home insurance companies nationwide based on Insurance.com's rate analysis are Amica and Allstate.
Rates were compared for a policy with $300,000 of dwelling and liability coverage and a $1,000 deductible. Your rates will vary.
Is homeowners insurance required?
Homeowners insurance isn’t required by law in any state, but your mortgage company will require it to protect its investment in the home. If you don’t have a mortgage, you don’t have to carry home insurance, but it’s highly recommended that you do.
How are homeowners insurance claims paid?
A home insurance claim goes through the same process as any claim. After the report, an adjuster will investigate and decide what’s covered. Homeowners insurance claims are usually paid by check or sometimes direct deposit. How much you get will depend on the limits of your policy, and your deductible will be subtracted from the total.
How do you shop for homeowners insurance?
Shopping for homeowners insurance is similar to looking for auto insurance. You can shop online either directly with insurance companies or using a quoting tool to compare multiple companies at once. You can also work with an insurance agent to help find the right homeowners insurance for your needs.