Skip to Main Content

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.

Bankrate and Coverage Logo

Compare home insurance rates

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

Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

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.

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.

Insuring your home

Caret Down Icon
Front of home with shape background

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
Bankrate's image file

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
Bankrate's image file

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
Bankrate's image file

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
Bankrate's image file

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.

Learn how to buy home insurance

Reviews from top homeowners insurance providers

Lemonade logo
4.1
Rating: 4.1 stars out of 5
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Bankrate Score
Read review
Chubb logo
4.3
Rating: 4.3 stars out of 5
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Bankrate Score
Read review
Kin logo
3.2
Rating: 3.2 stars out of 5
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Bankrate Score
Read review

Home Insurance Basics

Child with parent looking at laptop
Learn how to switch home insurance companies, even if you have a mortgage.
A consultant helping a customer go through their insurance policy
Do you understand how to read your home insurance policy? Bankrate can help.
Woman setting burglar alarm
Bankrate researched the top-rated home security products for under $300.
House with a damaged garage door
Discover the trends shaping home insurance in today’s market.
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.
Photo of a house with old roofing tiles that need to be replaced.
Home insurance is for more than bad weather. Learn how your policy protects you.
Bankrate's image file
READ MORE

Home Insurance News

Find news, resources, and advice about homeowners insurance.

Arrow Right Icon

Weather related home insurance coverages to consider

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

How to protect your home from wildfire

Homeowners Insurance
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.

Does homeowners insurance cover hurricane damage?

Homeowners Insurance
Don’t wait for a hurricane to check your homeowners insurance coverage.
a palm tree blowing in a windstorm

Windstorm insurance: how it works and who needs it

Bankrate helps homeowners understand windstorm insurance and what it covers.

Latest Articles

Walking away
A financial guide and list of resources on what to do after domestic violence.
messy room after a break in
What are the most common items stolen in a burglary? Bankrate did some research.
Still life of a domestic renovation project
Move or remodel? Weigh your options to decide which choice is best for you.
Woman accounting
Bankrate investigates how home insurance is calculated, and more.
Young couple at home planning an investment
Learn more about finding coverage after a nonrenewal.
Total destruction
Wondering if you need mine subsidence insurance? Here’s who might.
Photo of a house with old roofing tiles that need to be replaced.
Home insurance is for more than bad weather. Learn how your policy protects you.
Blocked gutters in a storm
Roof leaks may be covered by home insurance, but think twice before filing a claim.
The trusted provider of accurate rates and financial information
Wall Street Journal
Usa Today
New York Times
Cnn
Bloomberg
Abc