Insurance
Find news and advice on homeowners, renters, auto and life insurance.
Car Insurance
Auto insurance protects your finances from the unexpected. Use our car insurance tools to generate quotes, compare coverage options and find the best insurance company for you. Bankrate’s editorial team curated these top auto insurance picks for your budget.
Homeowners Insurance
If anything happens to your home or belongings, home insurance can protect you financially. Find out how much home insurance you need, how much you’ll pay, and what company is best for you with our online tools.
Life Insurance
Life insurance helps you financially care for your loved ones after you pass away. Bankrate is here to help you compare quotes and find the best life insurance company for you.
Insurance Basics
![Car in California national park](https://www.bankrate.com/2019/03/27140314/Auto-insurance-overview.jpg?auto=webp&optimize=high&crop=16:9&width=320)
What is car insurance?
Car Insurance
Car insurance provides financial security to drivers and is often required to drive.
![Asian single mother with her two children in the kitchen, showing them how to bake a cake.](https://www.bankrate.com/2020/10/02141749/what-is-homeowners-insurance-featured.jpg?auto=webp&optimize=high&crop=16:9&width=320)
What is homeowners insurance and how does it work?
Homeowners Insurance
Bankrate explains homeowners insurance and how it works.
![Family with child enjoying a nice time in the park on a clear day](https://www.bankrate.com/2023/09/12172157/Insurance_Guide_to_life_insurance.jpg?auto=webp&optimize=high&crop=16:9&width=320)
Guide to life insurance
Insurance
Life insurance may seem confusing, but Bankrate’s experts are here to help.
Insurance Reviews
Latest Articles
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Is it worth filing an insurance claim for bumper damage? Bankrate investigates.
![Freedom Tower, World Trade Center, NYC](https://www.bankrate.com/2021/07/13101527/insurance-am-best-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
AM Best is the oldest credit rating agency and a go-to for gauging financial health.
![Aerial view of the 101 Freeway through downtown Ventura, California.](https://www.bankrate.com/2022/10/31165957/GettyImages-1264609654.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
California’s car insurance rate filing freeze is starting to thaw. What does that mean?
![Cropped Hands Of Businesswoman Analyzing Stock Market Data Over Computer In Office](https://www.bankrate.com/2021/07/14140403/insurance-s-and-p-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Wondering why S&P ratings matter for insurance companies? Bankrate explains.
![A man looking at some insurance forms. He looks concerned.](https://www.bankrate.com/2020/11/17130147/lapse-in-coverage-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate can help you navigate finding car insurance after a coverage lapse.
![Young man is making a budget at home](https://www.bankrate.com/2021/05/07101943/creating-home-inventory-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Whether you own a home or condo, or you rent an apartment, you likely have a lot of stuff. And it’s likely not just clothes, appliances and electronics, but also kitchen utensils, picture frames and [...]
![Car crash from car accident on the road in a city wait insurance.](https://www.bankrate.com/2021/07/13162514/car-comprehensive-vs-collision-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Liability vs. comprehensive vs. collision: Bankrate explores coverage options.
![Houses in Florida on a sunny day against the blue sky with palm trees in the front lawn.](https://www.bankrate.com/2022/08/25163416/Demotech-downgrades-what-they-might-mean-for-Florida-property-insurance-market.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Florida property insurance and financial ratings: what do they mean to you?
![trump](https://www.bankrate.com/brp/2025/01/17133205/Insurance-Impact-of-Trumps-proposed-tariffs-on-auto-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Trump tariffs and your car insurance rate.
![Empty footpath through a lawn covered in fallen leaves](https://www.bankrate.com/2021/12/01110154/car-speeding-ticket-massachusetts-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explores the impacts of a speeding ticket in Massachusetts.
![Person in a car that is parked and checking their phone.](https://www.bankrate.com/2022/11/05181329/Insurance-What-is-an-insurance-score.jpg?auto=webp&optimize=high&crop=1:1&width=356)
What is an insurance score and how do car insurance companies use it?
![Cropped Hands Of Mechanic maintain car, engine oil check and replace](https://www.bankrate.com/2021/06/07102743/outreach-car-care-tips-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If you depend on your vehicle to get to work, shopping and more, it’s important to know how to upkeep your car, so that you can avoid emergency visits to the mechanic when one of the car’s systems [...]
![Family white-tailed deer cross road](https://www.bankrate.com/2021/09/03165435/car-does-liability-insurance-cover-hitting-a-deer-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explains what liability insurance is and whether or not it covers hitting a deer.
![deer walking in road with cars in background](https://www.bankrate.com/brp/2023/08/14121746/GettyImages-1126290549-1.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
If you see an animal in the road, it is important that you do not swerve. Learn why.
![Young man on driver's side of car accepting the key for it through the window](https://www.bankrate.com/2012/06/24222047/A-graduates-guide-to-buying-a-car.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Get around after graduation without putting yourself on a shoestring budget.
![Asian person hooking up an electric plug-in to their electric car](https://www.bankrate.com/brp/2024/06/11155032/Insurance_Buy_an_Electric_Car_and_Save.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Thinking of going electric? Bankrate can help you decide if it’s time to get an EV.
![Energy advisor discussing usage of energy efficient boiler with woman in home](https://www.bankrate.com/2021/07/06093036/homeowners-equipment-breakdown-coverage-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn about equipment breakdown insurance for homeowners, landlords and businesses.
![A home inspector assessing damage in a house with an exposed roof.](https://www.bankrate.com/2022/10/18154626/Insurance_What_is_a_homeowners_insurance_peril_.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Standard home insurance usually covers damage from specific events called perils.
![shipyard](https://www.bankrate.com/brp/2025/01/17103915/impact-of-trump-s-proposed-tariffs-on-home-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Tariffs could increase construction costs and up the price of appliances and furniture.
![Cleaning up a blooded basement](https://www.bankrate.com/2022/01/25134344/Does-homeowners-insurance-cover-water-damage.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Water can be destructive — and repairs are often costly. Home insurance can help.
![An older man sits down at his table with some papers and a calculator to review his finances after a home insurance claim.](https://www.bankrate.com/2020/10/29154656/does-home-insurance-go-up-after-claim-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Home insurance costs usually increase after a claim.
![](https://www.bankrate.com/2016/04/19200508/Dog-Breeds-That-Raise-Insurance-Costs.png?auto=webp&optimize=high&crop=1:1&width=356)
Wondering which dog breeds affect your homeowners insurance? Bankrate explains.
![Home in the snow](https://www.bankrate.com/brp/2024/01/14135917/steps-to-prepare-your-home-for-winter.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Need to prepare your home for winter? Bankrate is here with a step-by-step guide.
![A young couple is standing together in their unfinished living room.](https://www.bankrate.com/2020/11/17165039/home-insurance-during-renovations-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A home renovation can change your insurance needs.
![An elderly gay couple walks together on a nice, scenic forest road.](https://www.bankrate.com/2010/09/17165908/credit-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Is credit life insurance worth it for you? Bankrate can help you find out.
![A black couple sitting together on the couch](https://www.bankrate.com/2021/02/09133227/indexed-universal-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discover the features, benefits and costs of indexed universal life insurance.
![A parent giving their child a piggyback ride.](https://www.bankrate.com/brp/2024/05/14101043/Insurance_Life_insurance_facts_and_statistics_2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explores interesting life insurance facts and statistics from 2024.
![An old person sitting on a couch looking at their phone](https://www.bankrate.com/2023/03/11135934/Insurance_Guaranteed-life-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explains how guaranteed life insurance offers coverage without exams.
![An older couple sitting together on a rocky beach.](https://www.bankrate.com/2020/07/07131526/life-insurance-riders-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explains what life insurance riders are and how they work.
![An adult son is spending time with his father out in the backyard during a family cookout.](https://www.bankrate.com/2020/11/04163520/outlive-term-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Term life insurance policy expiring soon? Bankrate explains your options.
![An older couple reviews their finances with an expert.](https://www.bankrate.com/2020/07/30143504/adverse-selection-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn how adverse selection impacts life insurance and how insurers manage risk.
![A grandson is playing with his grandparents in the living room.](https://www.bankrate.com/2020/11/24173738/voluntary-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Many employers offer voluntary life insurance as an optional workplace benefit.
The trusted provider of accurate rates and financial information