Home Insurance

Covers the structure of your home, your belongings, and your liability as a homeowner. What it does not cover — flood, earth movement, wear and tear — is as important as what it does.

Home Insurance by state

Insurance is regulated state by state. What a policy must include, what it may exclude, and who writes it all change at the state line.

Coverage explained
Homeowners insurance explained: the six parts of the policy
A home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.
Buying guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
Buying guides
What a declination letter is, and why you want one
If you turn down a coverage your agent recommended, ask for it in writing. Here is what that document should contain and why it protects you.
Claims
What happens when you file a claim
From the first call to the final payment: who does what, why the first cheque is often smaller than expected, and where the process usually stalls.

Talk to someone who has to write it down

Every agency in this directory has agreed to present an adequately protected option before a price-driven one, and to document in writing anything you decline. That is a meaningfully different conversation from the one that starts with a monthly figure.

Find a certified agent for home insurance

Home Insurance by state

Reading on home insurance

Talk to someone who has to write it down