Homeowners Insurance

Bankrate's insurance experts guide you through the basics of homeowners insurance. Our exclusive approach can help you feel more confident in your insurance decisions.

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Insuring your home

Determine how much insurance you need

Getting the proper amount of coverage when you choose a homeowner's policy can help prevent insurance hassles later.

More about home insurance coverage

Compare home insurance companies

Get a feel for your options so you how know how to choose the best carrier for your home.

Choosing an insurance carrier

Get customized quotes for your home

Find out exactly what you can expect by getting accurate insurance quotes from top carriers.

Get a home insurance quote

Explore coverage add-ons

Home insurance policies may not cover everything, like floods or home-based businesses. Check out this list for common exclusions you should be aware of

Learn more about add-ons

Purchase your home insurance

Once all the prep work is done, it's time to finalize your homeowners insurance and get that peace of mind. Here's how to make it happen.

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Home Insurance Reviews

Bankrate Awards

Review our top home insurance picks of 2025

Our internal banking experts evaluated hundreds of popular financial institutions, using a robust methodology to find this year's best banking experiences, rates and offers.

Reviews from top homeowners insurance providers

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3.2

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Insurance Reviews

Home Insurance Basics

Learn how to switch home insurance companies, even if you have a mortgage.

Knowing how to read your home insurance policy could save you thousands.

Securing your home could net you home insurance discounts. Here’s some affordable ways.

Learn about the most common homeowners insurance claims and state-by-state costs.

A parent sits on the stoop in front of their home with one baby child in their arms and another, toddler, drawing with chalk on the walkway.

Wondering how much homeowners insurance you need? Bankrate can help.

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Home insurance is for more than bad weather. Learn how your policy protects you.

Home Insurance News

Find news, resources, and advice about homeowners insurance.

Weather related home insurance coverages to consider

Fire fighter walking along a street where every home burned to the ground

Wildfires are more dangerous than ever. Bankrate shares some tips on how to prepare.

A home on the coast that has been damaged by a hurricane. It is a sunny day.

Don’t wait for a hurricane to check your homeowners insurance coverage.

Bankrate helps homeowners understand windstorm insurance and what it covers.

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Learn what happens if your homeowners insurance is canceled and what to do next.

A senior, African-American couple look at a laptop together.

Is identity theft insurance worth it? Bankrate investigates.

Distressed homeowner looking at their finances.

Dropped by your home insurance and don’t know what to do next? Bankrate can help.

A treehouse might be covered under Coverage B of your home insurance policy.

ISO ratings indicate your fire risk and may influence your insurance rate.

Middle-age man standing in front of his home looking at something in the distance

While he was taking out the garbage one night, Eli saw his neighbor loading up a moving truck. (Bankrate is not disclosing Eli’s last name for privacy reasons.) His neighbor’s lease was up, but the [...]

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And that’s on top of your mortgage payments.

Shot of a flatbed near a septic that has been dug up and is being serviced.

Home insurance should cover septic tank damage if it’s caused by a covered peril.

Homeowners Insurance

Compare home insurance rates

Insuring your home

Determine how much insurance you need

Compare home insurance companies

Get customized quotes for your home

Explore coverage add-ons

Purchase your home insurance

Home Insurance Reviews

Review our top home insurance picks of 2025

Reviews from top homeowners insurance providers

Home Insurance Basics

How to switch home insurance companies

How to read a homeowners insurance policy

How to secure your home on a budget

Homeowners insurance statistics and facts

How much homeowners insurance do I need?

What does homeowners insurance cover?

Home Insurance News

Weather related home insurance coverages to consider

How to protect your home from wildfire

Does homeowners insurance cover hurricane damage?

Windstorm insurance: how it works and who needs it

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