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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

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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
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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
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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
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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
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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

Home Insurance Reviews

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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.

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Reviews from top homeowners insurance providers

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4.1
Rating: 4.1 stars out of 5
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4.3
Rating: 4.3 stars out of 5
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3.2
Rating: 3.2 stars out of 5
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Insurance Reviews

Home Insurance Basics

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How to switch home insurance companies

Homeowners Insurance
Learn how to switch home insurance companies, even if you have a mortgage.
By Natalie Todoroff
12 min read
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How to read a homeowners insurance policy

Homeowners Insurance
Knowing how to read your home insurance policy could save you thousands.
By Natalie Todoroff
10 min read
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How to secure your home on a budget

Homeowners Insurance
Securing your home could net you home insurance discounts. Here’s some affordable ways.
By Natalie Todoroff
5 min read
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Homeowners insurance statistics and facts

Homeowners Insurance
Learn about the most common homeowners insurance claims and state-by-state costs.
By Lara Vukelich
10 min read
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.

How much homeowners insurance do I need?

Homeowners Insurance
Wondering how much homeowners insurance you need? Bankrate can help.
By Natalie Todoroff
14 min read
Photo of a house with old roofing tiles that need to be replaced.

What does homeowners insurance cover?

Homeowners Insurance
Home insurance is for more than bad weather. Learn how your policy protects you.
By Natalie Todoroff
12 min read
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Home Insurance News

Find news, resources, and advice about homeowners insurance.

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Weather related home insurance coverages to consider

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How to protect your home from wildfire

Homeowners Insurance
Wildfires are more dangerous than ever. Bankrate shares some tips on how to prepare.
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Does homeowners insurance cover hurricane damage?

Homeowners Insurance
Don’t wait for a hurricane to check your homeowners insurance coverage.
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Windstorm insurance: how it works and who needs it

Bankrate helps homeowners understand windstorm insurance and what it covers.
Read more

Latest Articles

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What is additional living expenses coverage?

Bankrate explains additional living expenses coverage on home and renters insurance.
Jul 16, 2025
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When and how to fight a denied homeowners insurance claim

If your homeowners insurance claim was denied, you have options.
Jul 16, 2025
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Filing a home insurance claim

Stressed about filing a home insurance claim? Here’s everything you need to know.
Jul 11, 2025
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Worried about extreme weather? Home insurance can provide a financial lifeline

As natural disasters become costlier, home insurance may be key to financial stability.
Jul 10, 2025
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When is hurricane season in Florida?

Here’s what you should know about the 2024 hurricane season in Florida.
Jul 09, 2025
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Does home insurance cover roof replacement

Wondering if your home insurance covers roof replacement? Bankrate explains.
Jul 09, 2025
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.

How much homeowners insurance do I need?

Wondering how much homeowners insurance you need? Bankrate can help.
Jul 08, 2025
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7 renovations that can impact your home insurance

Some home renovations may actually lower your insurance premiums.
Jul 02, 2025

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