There are a wide variety of homeowner insurance policies. So before you buy, make sure you understand what the policy does and doesn't cover.
What is homeowner insurance?
It’s insurance that protects your home and personal belongings from fire, theft, vandalism and other perils.
Who needs homeowner insurance/why should I buy it?
If you have a home and mortgage, your lender will require you to have homeowner insurance. If you don’t have a mortgage, it’s a good idea to protect your investment and buy homeowner insurance.
What's covered & not covered under homeowner insurance?
Homeowner insurance is divided into two parts: property protection and liability protection, but you should also know what is excluded.
What to consider before buying homeowner insurance
Before you buy, figure out how much and what type of coverages you’ll need to ensure your home is properly insured.
Who sells homeowner insurance
Only buy insurance from a licensed agent or an authorized company. Use our agent/company lookup tool to find a licensed agent or authorized company.
How do insurance companies set homeowner rates?
They consider many factors when setting rates. Understanding how these factors affect your premiums – as well as shopping around – can save you money.
What to do when changing homeowner policies
If your insurance company cancels or doesn’t renew your homeowner policy, they have to give you advance notice. Then, you’ll need to start shopping for coverage with a new company.