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What home insurance covers

Home insurance covers more than your house. It also covers detached structures on your property, all of your belongings and liability if you’re responsible for injuries or damages to someone else. It even covers the extra costs of living elsewhere if you can't live at home during repairs for a covered loss.

Learn more about what a standard home insurance policy covers.

Compare home insurance rates by state

Map
Table
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
StateAverage annual rates for $200,000 in dwelling coverageAverage annual rates for $300,000 in dwelling coverageAverage annual rates for $400,000 in dwelling coverageAverage annual rates for $600,000 in dwelling coverageAverage annual rates for $1,000,000 in dwelling coverage
Alabama$2,391$3,147$3,798$5,144$7,056
Alaska$1,355$1,708$2,064$2,779$4,098
Arizona$1,906$2,490$3,063$4,086$5,161
Arkansas$3,328$3,958$4,675$6,099$7,768
California$1,043$1,405$1,772$2,598$4,266
Colorado$3,169$4,099$4,662$5,542$7,384
Connecticut$1,750$2,231$2,707$3,641$4,762
Delaware$1,078$1,384$1,729$2,474$3,406
Florida*$3,773$4,419$4,984$5,854$6,574
Georgia$1,760$2,302$2,881$4,006$5,743
Hawaii$461$613$791$1,154$1,831
Idaho$1,476$1,961$2,449$3,427$5,288
Illinois$2,423$3,062$3,587$4,390$5,752
Indiana$2,313$2,991$3,620$4,451$5,749
Iowa$2,022$2,654$3,230$4,388$6,267
Kansas$3,638$4,843$5,688$6,798$8,310
Kentucky$2,486$3,326$4,153$5,182$6,452
Louisiana$2,822$3,594$4,409$5,277$5,979
Maine$1,021$1,391$1,741$2,510$3,972
Maryland$1,318$1,715$2,131$3,028$4,700
Massachusetts$1,303$1,640$1,998$2,746$4,168
Michigan$1,825$2,411$2,956$3,564$4,680
Minnesota$1,828$2,420$2,999$4,308$5,991
Mississippi$2,646$3,380$3,941$4,700$6,039
Missouri$2,638$3,543$4,114$4,956$6,641
Montana$2,523$3,289$3,831$4,271$5,825
Nebraska$3,809$4,800$5,904$7,365$8,451
Nevada$1,093$1,467$1,853$2,707$4,135
New Hampshire$948$1,221$1,488$2,032$3,064
New Jersey$1,171$1,526$1,894$2,619$3,915
New Mexico$1,829$2,647$3,489$4,529$5,908
New York$1,340$1,816$2,349$3,276$4,904
North Carolina$2,141$2,941$3,398$4,375$6,031
North Dakota$2,431$3,147$3,898$4,682$6,991
Ohio$1,805$2,160$2,613$3,265$4,301
Oklahoma$4,442$5,858$7,012$8,426$8,865
Oregon$1,347$1,755$2,185$3,016$4,108
Pennsylvania$1,475$1,911$2,130$2,902$3,908
Rhode Island$1,505$1,950$2,381$3,327$5,235
South Carolina$2,061$2,678$3,219$4,319$5,765
South Dakota$2,607$3,390$3,970$5,353$7,420
Tennessee$2,369$3,060$3,737$4,873$6,573
Texas$2,951$3,851$4,643$5,602$6,799
Utah$1,416$1,802$2,161$2,876$4,201
Vermont$974$1,263$1,555$2,147$3,269
Virginia$1,645$2,151$2,694$3,430$4,314
Washington$1,260$1,612$2,017$2,801$4,314
Washington, D.C.$984$1,342$1,703$2,384$3,699
West Virginia$1,465$1,911$2,354$3,271$5,041
Wisconsin$1,274$1,662$2,038$2,711$4,091
Wyoming$1,351$1,897$2,490$3,703$5,597

*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.

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Home Insurance

5 important things to know as you compare home insurance

1

You should buy enough home insurance to cover the cost of rebuilding.

You should buy enough home insurance to cover the cost of rebuilding.

One of the most common mistakes people make when shopping for home insurance is thinking the home's market value is how much it should be insured for. But home insurance is designed to pay for rebuilding your home and doesn't cover the value of the land. That amount might be lower or higher than what you paid for the house. Insuring for less than the actual replacement cost can leave you underinsured and paying out of pocket in a claim.

Replacement cost is calculated based on the age, square footage and construction of your home, and it's important that it be accurate.

2

Your landlord's insurance won't cover your stuff.

Your landlord's insurance won't cover your stuff.

Don't expect your landlord to help you replace anything if disaster strikes. Their insurance covers the building - not your things. Buy renters insurance to protect your belongings if they're stolen or damaged. Like home insurance, renters insurance also provides liability coverage if you're held responsible for injuries or damage.

3

A good inventory is worth your time.

A good inventory is worth your time.

Conduct an inventory to find out how much coverage you need. Check whether your insurance company offers an inventory app, or use the Insurance Information Institute's free online software at KnowYourStuff.org to help catalog everything. Standard home and renters insurance policies place dollar limits on valuables and special collections coverage, so you might need to buy additional coverage for those items. Besides helping you determine how much coverage you need, an inventory helps the claims process go smoothly.

4

Replacement cost coverage is worth the extra expense.

Replacement cost coverage for personal property is worth the extra expense.

Replacement cost coverage is pricier than actual cash value coverage, and here's why. With replacement cost coverage, the policy reimburses you for buying a new, comparable item to replace the one that was damaged. Actual cash value coverage pays you the current market value of the item that was damaged or destroyed. Say, for instance, a pipe burst and ruined a 5-year-old couch. Replacement cost coverage would pay for a new sofa. Actual cash value coverage would reimburse you for the cost of a new sofa minus five years of depreciation. Standard home insurance includes actual cash value coverage for personal property, but it's well worth the cost to upgrade to replacement cost.

5

A home or renters insurance policy doesn't cover everything.

A home or renters insurance policy doesn't cover everything.

Standard home and renters insurance policies do not cover damage from earthquakes or floods. You need to buy separate insurance policies for coverage in case either of those disasters strikes. Home and renters insurance also excludes coverage for business activities, even when the business is conducted from your home office, and limits coverage for business property.

Home insurance FAQ

What is the cheapest home insurance?

What you pay for coverage depends on many factors, including the age, location, and materials of your home. However, the cheapest home insurance companies nationwide based on Insurance.com's rate analysis are Amica and Allstate.

Rates were compared for a policy with $300,000 of dwelling and liability coverage and a $1,000 deductible. Your rates will vary.

Is homeowners insurance required?

Homeowners insurance isn’t required by law in any state, but your mortgage company will require it to protect its investment in the home. If you don’t have a mortgage, you don’t have to carry home insurance, but it’s highly recommended that you do.

How are homeowners insurance claims paid?

A home insurance claim goes through the same process as any claim. After the report, an adjuster will investigate and decide what’s covered. Homeowners insurance claims are usually paid by check or sometimes direct deposit. How much you get will depend on the limits of your policy, and your deductible will be subtracted from the total.

How do you shop for homeowners insurance?

Shopping for homeowners insurance is similar to looking for auto insurance. You can shop online either directly with insurance companies or using a quoting tool to compare multiple companies at once. You can also work with an insurance agent to help find the right homeowners insurance for your needs.

Helpful home insurance articles & guides

What to do if your homeowners insurance is canceled
Best home insurance discounts in 2024
Hurricane insurance in Louisiana
Hurricane insurance in Louisiana
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