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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What is adhesion in insurance? Bankrate explores this concept in depth.
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Could you pay your deductible if you had an insurance claim?
![View from the interior of a dark car as a person is driving. Oncoming traffic can be seen but it is blurred.](https://www.bankrate.com/2022/06/28121133/What-is-the-difference-between-DUI-and-DWI.jpg?auto=webp&optimize=high&crop=1:1&width=356)
What’s the difference between DUI & DWI? It depends. Bankrate explains.
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Smart locks, like biometric, are convenient, but do they lower home insurance rates?
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Bankrate breaks down gap insurance in New York and how it works.
![policeline do no cross at garden house](https://www.bankrate.com/2021/07/06151309/home-stigmatized-property-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A home with history? Find out why certain properties may be especially hard to sell.
![A rural country road in New England](https://www.bankrate.com/2021/12/09091922/car-speeding-ticket-connecticut-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s a look at how a speeding ticket impacts your car insurance in Connecticut.
![Person sitting in chair looking at phone and smiling](https://www.bankrate.com/brp/2024/07/05120525/Insurance_HO-4_Insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Find out if renters insurance may be the right choice for you.
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Full coverage car insurance typically includes comprehensive and collision coverage.
![A black couple sits together in the living room reviewing their policy and if they need to switch.](https://www.bankrate.com/2013/07/18174132/old-insurance-policies-can-be-tossed-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn which insurance records need to be kept and which can head to the shredder.
![teenage son driving with his father](https://www.bankrate.com/2022/05/12162921/How-to-get-car-insurance-for-new-drivers.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Getting new driver car insurance doesn’t have to be as difficult or expensive as you think.
![woman standing next to her car and checking her bike tire](https://www.bankrate.com/2022/01/09163915/Minimum-car-insurance-coverage-requirements-in-each-state.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate takes a close look at minimum requirements for car insurance in each state.
![Driver sitting in their car with the window down, reviewing documents. The car is not in motion.](https://www.bankrate.com/2021/10/02094529/What-is-a-car-insurance-policy-number.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn why your car insurance policy number matters and where to find it.
![man getting into his car](https://www.bankrate.com/2021/06/01150707/What-is-a-car-insurance-deductible.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate breaks down the ins and outs of car insurance deductibles.
![View from the backseat of a car as an older couple sits in the driver and passenger seats. The road ahead can be seen through the windshield and there is a car in front of them.](https://www.bankrate.com/2021/11/12131342/How-to-get-car-insurance-with-no-license.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Can I insure my car without a driving license? Bankrate investigates.
![Person looking at paper](https://www.bankrate.com/brp/2023/12/19144528/what-to-do-when-your-car-insurance-is-canceled-for-a-missed-payment.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Get your coverage back on track after a missed payment.
![A helicopter dumping water on a forest fire.](https://www.bankrate.com/2022/09/12135938/Insurance_Wildfire_Statistics_Refresh.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Wildfires have increased in size and frequency in recent years. Explore the statistics.
![Mid adult man inspecting extractor hood in kitchen showroom](https://www.bankrate.com/2021/05/10135049/recoverable-depreciation-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Wondering what recoverable depreciation is on home insurance? Bankrate explains.
![Appliances like a refrigerator, washing machine, toaster oven, etc.](https://www.bankrate.com/2023/11/04131206/Insurance-Does-Homeowners-Insurance-Cover-Appliances.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Homeowners insurance covers your appliances under specific circumstances.
![A couple speaking with an expert about renters insurance](https://www.bankrate.com/2022/10/26155247/Insurance-Renters-insurance-guide.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Renters insurance can offer peace of mind in case of theft, liability and more.
![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.
![Father on phone call and working with son watching tablet](https://www.bankrate.com/2020/05/14131250/How-to-Buy-Life-Insurance-in-8-Steps.png?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate shows you how to buy a life insurance policy in just a few steps.
![A mother sits at a computer while her special needs child sits next to her; they are laughing.](https://www.bankrate.com/2020/07/17171217/life-insurance-for-parents-child-disabilities-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If you have a child with a disability, here’s your guide to navigating life insurance.
![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.
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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.
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