Homeowner and Renters Insurance

How does a homeowner's insurance policy work? What does it actually cover? And how can you get the best possible price? We've got answers to all your most pressing questions about insuring your home or condo, plus tips on renter's insurance.

Explore Homeowners Insurance

A young couple look at one another, stressed out, as they hold papers while drinking coffee in their kitchen and deciding whether to file a home insurance claim.
When Is It Worth Filing a Home Insurance Claim?
A homeowner checks her fridge after a storm-induced power outage.
Does Homeowners Insurance Cover Spoiled Food After a Power Outage?
A woman in a floral dress proudly gestures toward her bright blue house with white shutters and a lovely garden
What Is Insurance to Value?
An insurance adjuster with a clipboard surveys flood damage to several houses
What Is an Appraisal for Homeowners Insurance?
A woman stands in her living room in shorts and rubber boots, pausing while mopping up flood water from the floor with a mop and wet towels.
What Is Mitigation in Insurance?
A cyclist bikes past a brick house with solar panels on its roof, which might qualify for a green home insurance discount.
Home Insurance Policies That Offer Green Home Discounts
A woman talks on the phone while working from home in her kitchen. Her dog stands beside her, looking for attention
Does Home Insurance Cover Working From Home?
Two people embrace next to destroyed home after storm
What Is FEMA?
A homeowner looks over her home insurance policy.
10 Ways To Lower Your Homeowners Insurance Premium
 An insurance adjuster examines flood damage to a house.
Insuring Your Home Through the National Flood Insurance Program
People walking in flood
What Is FEMA Flood Insurance Risk Rating 2.0?
Firefighter spraying water at a house fire
What Is Fire Insurance?
Portrait of single mother with young sons in front of house
What Is a Home Warranty?
Home Repairs and Home Insurance
Help! My Insurance is Canceling My Policy Because I Did Not Do Repairs
Damages in shared areas of a condo - loss assessment
Protect Yourself as a Condo Owner: Loss Assessment Explained
Image shows a highway with a crack down the middle somewhere in the southwest, as well as an infrared map of the U.S. of earthquake hot spots, and a home with a crack in the side. Text reads: "Facts about earthquake insurance: costs of earthquake insurance varies based on your location; home and personal property in 40+ states are at risk of earthquake damage; earthquake coverage is included in homeowners' insurance; earthquake insurance must be bought separately or added to your policy by endorsement."
Earthquake Insurance Pros and Cons
Flooded home with sandbags.
Additional Living Expenses Coverage: How to Get It and Why You Want It
Front exterior of a mobile home
Best Mobile Home Insurance 2021
An upset business woman sitting at a table in her restaurant learns that her business interruption loss is not covered by her policy from her insurance agent
Who Can Help With Insurance Claim Problems? How to File a Complaint
what water damage is covered by home insurance? flood, sudden or accidental discharge, sewer backup & overflow, storm-related water damage
Claiming Water Damage Coverages on Home Insurance
Mature couple drinking coffee on porch
What Does a Home Warranty Cover?
A family of four enjoying the garden in their backyard
Understanding Your Home Insurance Options
Couple going over paperwork with insurance agent in house
The 8 Best Rental Insurance Policies of 2021
Do You Need Sewer Line Insurance?
Construction worker in mask uses flashlight to inspect house foundation
Does Homeowners Insurance Cover Foundation Repair?
A homeowner does repairs on her home.
What Is Covered Peril in Homeowner's Insurance?
Close-up of woman and child holding model house in their hands
Buying the Right Home Warranty Plan
A illustration of a high-risk home on fire and also threatened by a tornado and rising flood waters
What Is FAIR Plan Home Insurance, and When Do You Need It?
city skyline
State Insurance Commissioners Websites and Phone Numbers
woman trying to determine price of old items replacement value and actual cash value
Replacement Cost vs. Actual Cash Value in Insurance
Amazon Home Warranty
Amazon Home Warranty Review
Man and woman in home wondering what kind of insurance they need
What Is an All-Risk Insurance Policy? Do You Need One?
Two men moving into a new home, Looking at laptop
The Average Cost of Home Insurance
figuring out insurance claims payments
Waiting for a Home Insurance Claim Payment? Here's How It Works
 Black Staffordshire bull terrier / Labrador mix
What Pit Bull Owners Need To Know About Homeowners and Renters Insurance
Unpacking fragile items after a move
How to Get Moving Insurance and What's Included in Your Policy
Woman putting money in purse saving money from insurance
What Are Waivers of Deductible in Home Insurance?
Homeowners cope with the destruction from Hurricane Laura.
What You Need to Know About Hurricanes and Insurance Coverage
Inspector walking through home with tablet doing insurance inspection
Is the Insurance Company Inspecting Your Home? Here Is What to Expect.
couple trying to figure out cost of water damage in flooded home
Will Insurance Pay a Claim For These Different Types of Water Damage?
woman taking a home inventory with tablet
Your Guide for Making a Home Inventory and Why You Need One
Boy jumping in water conceptual taking control of flood insurance
Debunking Flood Insurance Myths and Tips to Save Money
Disaster area with high water sign
Average FEMA Payment and How to Make a Claim
Young couple packing belongings in cardboard boxes
Understanding What Home Insurance Policies Cover of Your Belongings
Person hosting through home-sharing rental welcoming guest
How to Get Affordable Airbnb or Home-Sharing Host Insurance
House with ''sold'' sign in front yard
Save Money on Home Insurance by Using These Tips While Shopping
Man spending a lazy afternoon with his French Bulldog
How Does Getting a Dog Affect Your Home Insurance?
Sunny empty living room with hardwood floors and fireplace
Is Your Vacant Home Covered by Insurance?
Family in backyard of a high-value home
What Is High-Value Home Insurance?
woman talking with home contractor
Get Tips on How to Hire a Contractor for Your Insurance Claim
Couple wearing black rain boots inside their wet house after sustaining water damage.
How Much Are Costs of Repairs and Cleanup After Water Damage?
Couple standing in front of home
How to Negotiate a Change in Your Home Insurance Value
Image shows a silhouette of a woman entering a home. There is a "sold" sign with a cat sitting atop, and a rainbow Pride flag flying near the door. Text reads: "Tips for saving on your first home insurance policy: don't wait to the last minute, use an insurance agent (not a mortgage lender), get a home inspection, have an established insurance history, get a discount through your renters insurance company"
How First Time Homebuyers Can Save Money on an Insurance Policy
couple looking at laptop computer in kitchen
Why a Home Warranty May Be Worth It
Homes near wildfire burning in hills
What You Need to Know About Wildfires and Insurance Coverage
Flooding from a hurricane as water creeps up on a home covering the sidewalk and part of the driveway
How Much Weather and Water Damage Can You Claim on Home Insurance?
High-angle view of backyard lounge area that can be covered with homeowner’s insurance
7 Questions to Ask When Insuring a Pool, Hot Tub, or Spa
Worried couple reviewing papers in their home
How to Know What Tornado Damage Insurance You Need
A man stands in front of a destroyed house, hands on his hips.
What Does Homeowners Insurance Cover?
Modern condo and coops
Understanding the Basics of Condo and Co-op Insurance