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Last Updated June 2024

Best Home Insurance Companies of 2024

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Use our PolicyScout score to quickly determine the features of an offer. We are an advocate on behalf of you, the consumer with top insurance providers. Learn about our editorial standards.

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PolicyScout measures user engagement based on clicks each listed brand received in the past 14 days.
PolicyScout’s editorial team researches and reviews companies based on factors such as: range of products and services offered, ease-of-use, benefits customization, online accessibility, customer service, and more.
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With no medical exams for most life insurance plans, you can rest easy knowing that approval odds will be in your favor and you can lock in a suitable low rate for a policy.
FAQ: Common Home Insurance Questions

What does home insurance cover?

Generally speaking, homeowners insurance provides overall coverage for the structure of your home. A basic policy offers coverage for damages to your home and belongings inside it for events like fires, storms, explosions, etc. There are different types of homeowners insurance policies that provide more comprehensive coverage for a wider range of events.

Am I required to have home insurance?

Technically, no. You are not legally required to have homeowners insurance however, if you have a mortgage on your home then your lender will most likely require you to have some homeowners insurance coverage in order to be approved for the loan.

How much home insurance coverage do I need?

A calculation can be done to determine how much coverage you will need based on a few different factors that indicate how at-risk your home is to be damaged.

What factors can affect my home insurance premiums?

These factors include location and weather, the value and type of personal property that you keep within your home as well as potential liability risks within your home such as pools, etc.

How can I lower the cost of my home insurance?

There are a number of ways to reduce the cost of your homeowners insurance but the first thing you can do is to shop around and compare for the best price. Policy Scout experts can help you get the right plan in the budget that works for you.
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