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.

Advertising Disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.

Zip code

Your information is kept secure

What brings you to Bankrate?

Do you own or rent this home?

Own Rent

Square Footage

Field is required

Powered by Coverage.com (NPN: 19966249)

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts

$382/year

average savings through Bankrate

2 out of 3 homes

are underinsured

1 out of every 20

insured homes makes a claim each year

100% of homes

need insurance before getting a mortgage

Leaving so soon? Your custom quotes are just minutes away.

Home Insurance Basics

Keep home insurance cost down

Home insurance might be a necessary expense, but here’s how you can save.

How much homeowners insurance do I need?

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

Homeowners insurance rates by state for 2023

Home insurance costs and considerations vary by state. Bankrate explains.

Types of homeowners insurance

Bankrate’s full guide to the different types of homeowners insurance.

Home Insurance Resources

Latest Articles

Does insurance cover remote workers during the COVID-19 pandemic?

For a majority of the population, the COVID-19 pandemic has had a significant impact on their lifestyle. Although the vaccine is being distributed, we still have a long way to go until things return to [...]

5 min read Feb 16, 2021
You’re renting and don’t have renters insurance? No bueno — for 2 big reasons

Nosy landlord? Loud neighbors? Renters who don’t insure have even bigger problems.

2 min read Oct 30, 2015
How your credit score affects the rates you pay for 4 major types of insurance

Auto, home, health and life insurers may reward or punish you for your credit score.

4 min read Oct 22, 2015
Who’s got home insurance discounts for you?

We scoured insurance company websites so you won’t miss out on any savings.

4 min read Oct 22, 2014
Best insurance for 5 green home upgrades

Make sure your policy protects your solar panels and other eco-friendly features.

4 min read Oct 15, 2014
Home insurance for a snowbird with 2 homes

When you divide your time between two nests, maintain insurance full time on both.

2 min read Jul 14, 2014
Why shop around for home insurance quotes?

Bankrate’s survey finds home insurance prices can differ by as much as 188 percent.

3 min read Aug 26, 2013
How to choose an insurance deductible

Learn to find your insurance deductible ‘sweet spot’ where savings and risk are in balance.

3 min read Dec 17, 2012
Why do I need renters insurance?

When renting, don’t assume your personal content and liability are covered by a landlord’s insurance.

Dec 12, 2012
Renters insurance when you sublet your space

When you rent out the place you’re renting, you want to protect your stuff and your finances.

3 min read Oct 25, 2012

Renters Insurance Resources

Related Topics

Easily insure your rental with a few key resources.

Bankrate has resources to make your renters insurance search seamless. Our insurance knowledge can help you find the best rental insurance and understand your coverage options.

The trusted provider of accurate rates and financial information