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Home Insurance: What You Need to Know

Your home is likely your most valuable asset, and home insurance protects it against damage, theft, liability, and natural disasters. Homeowners insurance is required by most mortgage lenders, but even if you own your home outright, it’s essential protection. We’ve compared the top home insurance providers in the US so you can find comprehensive coverage at a competitive price.

When shopping for home insurance, make sure your dwelling coverage is enough to rebuild your home at current construction costs — not the market value. Review what perils are covered (fire, theft, wind, hail) and what’s excluded (floods and earthquakes usually require separate policies). Compare deductible options, as a higher deductible means lower premiums but more out-of-pocket costs if you file a claim.

Tips for Choosing the Best Home Insurance