Editor Picks
)
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.
)
)
)
Learn the Basics
)
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.
)
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.
)
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.
)
Compare Home Insurance Quotes Side by Side
Compare real-time home insurance quotes from top companies to find the best rate for coverage that’ll protect your home and personal belongings.
)
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.
)
Average Cost of Homeowners Insurance
Homeowners in the U.S. pay an average of $2,592 per year for home insurance, but rates vary significantly by state, city, insurer, and coverage amount.
Insights
)
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.
)
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.
)
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.
)
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.
)
These are the Most Affordable Cities to Buy a House in 2022
These 20 cities have the most affordable housing markets in 2022.
)
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
)
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.
)
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.
)
Earthquake Insurance: A Complete Guide for Homeowners
If you live in a high-risk area, adding earthquake insurance to your homeowners policy can better protect your property.
)
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.
)
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
)
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
)
When to Hire a Home Insurance Claim Lawyer
Most homeowners can handle home insurance claims directly, but sometimes a lawyer can help negotiate a better settlement.
)
Types of Homeowners Insurance Policies
Eight different policy forms are available to protect every kind of home.
)
How Much Condo Insurance Do You Need?
The amount of condo insurance you need depends on the level of protection you need to cover your condo and belongings, minus whatever coverage your association’s master policy provides.
)
What Is Condo Insurance?
Condo insurance is a type of homeowners insurance product that covers your personal belongings and provides additional living expenses and personal liability coverage.
)
What Is a Deductible in Homeowners Insurance?
Home insurance deductibles typically range from $500 to $2,000.
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.
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.