Editor Picks
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What to Know About Home Insurance If You Rent Out Your House
When renting out your home, you may need a specialized type of home insurance policy, which likely has a higher price tag.
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Learn the Basics
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How Much Homeowners Insurance Do You Need?
You should consider the cost to rebuild your home, the value of your assets, and your risk tolerance to decide the amount of homeowners insurance you need.
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How to Buy Home Insurance: A Guide for Homeowners
To buy home insurance, figure out how much coverage you need, compare quotes from multiple insurers, and choose a policy that fits your home, budget, and lender requirements.
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How to File a Home Insurance Claim in 7 Steps
As you prepare to file an insurance claim, it’s essential to move quickly, document the damage, and contact your insurer.
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Compare Home Insurance Quotes Side by Side
Comparing at least three home insurance quotes side by side is the fastest way to find the lowest rate for the coverage your home needs.
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Why Is My Homeowners Insurance So Expensive?
Inflation and natural disasters have increased the price of home insurance premiums across the country, but you can still find ways to save.
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Average Cost of Homeowners Insurance
Homeowners in the U.S. pay an average of $2,808 per year for home insurance, but rates vary significantly by state, city, insurer, and coverage amount.
Insights
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New Insurify Housing Market Report Reveals Top Markets to Watch
Cities in the Sun Belt continue to provide a promising future for new homebuyers, with cities in Florida, North Carolina, and South Carolina dominating most of the top 20 cities with home markets to watch.
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10 Best Cities for Homebuyers With a Household Income of $75,000
Revitalization projects and inexpensive housing make these cities attractive to homebuyers on a budget.
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To Rent or to Buy? The Top 10 Cities Where Each Option Provides the Best Value
Millions of Americans decide between renting or owning a home each year. The choice can be hard, though the financial math in these 20 cities makes it simpler.
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Soaring Home Insurance Costs Could Push Homeowners Out of These 10 States
Climate catastrophes are driving insurers and homebuyers out of high-risk areas like Florida, but the American dream of homeownership lives on in less disaster-prone states.
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These are the Most Affordable Cities to Buy a House in 2022
These 20 cities have the most affordable housing markets in 2022.
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These Are the Best Cities for New Homebuyers in 2022
Insurify ranked the best city for new homebuyers in every state for 2022.
Home Insurance by Perils
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Does Homeowners Insurance Cover Fire Damage?
Most standard home insurance policies cover fire damage. But if you live in an area prone to wildfires, you may have trouble finding affordable coverage.
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Flood Insurance: What It Covers and Costs
Flood insurance costs $786 per year, on average, and can provide coverage for flood-related damages that traditional home insurance doesn’t cover.
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Best Earthquake Insurance Companies
California Earthquake Authority, Allstate, and American Family Insurance are among the best earthquake insurance companies for homeowners.
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What Is Sinkhole Insurance and Who Needs It?
You may need sinkhole insurance if you live in at-risk states like Alabama, Florida, Kentucky, Missouri, Pennsylvania, Tennessee, and Texas.
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Hurricane Insurance: A Complete Guide for Homeowners
Hurricane insurance isn’t a stand-alone policy but multiple coverage types designed to protect your home from wind and water damage.
Does Homeowners Insurance Cover Tornado Damage?
Homeowners insurance covers tornado damage in most states. But homeowners in states at high risk of tornadoes might need additional coverage.
Home Insurance Reviews
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Stillwater Home Insurance Review: Ratings and Quotes
Stillwater Insurance has an impressive number of discounts and coverage options, but mixed customer reviews.
Compare Policies
Latest Articles
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59% of Americans Will Leave Their Homes Unattended During the Holidays, Increasing Risk of Property Damage
El Niño is expected to raise flood risk in parts of the U.S. this holiday season, adding another wintertime threat alongside break-ins and fires.
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Earthquake Insurance for Utah Residents: Is It Worth It?
Earthquake insurance is an added cost, but it can save you money in the long run in an earthquake-prone state like Utah.
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Houston Flood Insurance: Complete Guide for Homeowners in 2026
Flood insurance through the National Flood Insurance Program (NFIP) or a private insurer can protect your Houston home from flood damage.
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Windstorm Insurance: What It Covers and When You Need It
Learn how windstorm insurance protects your home from hurricane-force winds and storm damage — and when you may need separate coverage.
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Hurricane Insurance in Florida: What Homeowners Need to Know
Learn what hurricane insurance includes, what’s required, how deductibles work, and whether you have enough coverage to rebuild your house after a storm.
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Georgia Flood Insurance: Complete Guide for Homeowners in 2026
It’s a good idea to have flood insurance in Georgia, which you can purchase from the National Flood Insurance Program (NFIP) and private insurers.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.