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

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

Home Insurance Reviews

Bankrate's image file
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.

Arrow Right Icon

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.
desk
Knowing how to read your home insurance policy could save you thousands.
Woman setting burglar alarm
Securing your home could net you home insurance discounts. Here’s some affordable ways.
House with a damaged garage door
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.
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

Surplus lines policies are usually a last resort option for high-risk homes.
Person reviewing finances
Learn whether your homeowners insurance premiums are tax deductible.
Same sex couple cooking with son in kitchen
These five steps could help you choose the best home insurance company for you.
Person mopping
Wondering if home insurance will cover that flooded basement? Bankrate explains.
Child with parent looking at laptop
Learn how to switch home insurance companies, even if you have a mortgage.
man using using chainsaw to cut tree branch
Find out when homeowners insurance covers tree removal — and when it doesn’t.
Person looking at paper
Creating a home inventory can help make filing an insurance claim easier.
First, you celebrate. But remember: You’ve got some new obligations too.
The trusted provider of accurate rates and financial information
Wall Street Journal
Usa Today
New York Times
Cnn
Bloomberg
Abc