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Get Home Insurance Quotes

Shopping for homeowners insurance isn’t something you do every day. Once you’ve picked a policy, you’re likely to stick with it for at least a year. That means it’s important to compare home insurance quotes and make sure you’re getting a good price before you buy. Fill out some personal information to see home insurance matches.

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Frequently asked questions

What is homeowners insurance?

A homeowners policy is insurance that protects you financially if a fire damages your home, someone steals your belongings or another catastrophe strikes. Homeowners insurance is generally required by mortgage lenders.

What does homeowners insurance cover?

Homeowners insurance typically covers your house and everything in it from damage due to fire, wind, heavy snow and other disasters known as “perils.” The loss of use section of your policy reimburses you for hotel stays or other expenses if you need to move out of your home during covered repairs. And your policy’s liability coverage will pay if you injure someone else or damage their property.

What does home insurance not cover?

Standard homeowners policies don’t cover damage due to flooding, earthquakes, landslides or infestations. Nor will they cover everyday wear and tear or problems caused by neglect.

You may be able to buy extra insurance to cover some of these problems. For example, flood insurance is available through the National Flood Insurance Program and private providers.

How much is homeowners insurance in your state?

State

Average annual cost

Average monthly cost

National average

$1,784

$149

Alabama

$2,381

$198

Alaska

$1,266

$106

Arizona

$1,599

$133

Arkansas

$3,198

$266

$1,284

$107

$2,340

$195

Connecticut

$1,284

$107

Delaware

$796

$66

$2,122

$177

$1,980

$165

Hawaii

$458

$38

Idaho

$1,043

$87

$2,021

$168

Indiana

$1,691

$141

Iowa

$1,642

$137

Kansas

$3,347

$279

Kentucky

$2,306

$192

Louisiana

$2,064

$172

Maine

$1,089

$91

Maryland

$1,454

$121

$1,261

$105

$1,958

$163

Minnesota

$2,505

$209

Mississippi

$2,955

$246

Missouri

$2,603

$217

Montana

$2,086

$174

Nebraska

$4,004

$334

Nevada

$993

$83

New Hampshire

$816

$68

$942

$78

New Mexico

$1,378

$115

New York

$1,205

$100

$1,700

$142

North Dakota

$1,921

$160

Ohio

$1,608

$134

Oklahoma

$3,830

$319

Oregon

$914

$76

$930

$78

Rhode Island

$1,156

$96

South Carolina

$1,896

$158

South Dakota

$2,490

$207

Tennessee

$2,816

$235

$3,341

$278

Utah

$874

$73

Vermont

$854

$71

Virginia

$1,131

$94

Washington

$1,126

$94

Washington, D.C.

$902

$75

West Virginia

$1,298

$108

Wisconsin

$1,087

$91

Wyoming

$1,453

$121

Top-rated homeowners insurance companies

These insurers earned a score of at least 4.5 out of five in our ratings of the best homeowners insurance companies:

  • Chubb

  • Nationwide

  • NJM

  • Amica

  • Country Financial

  • Erie

  • The Hanover

  • Hippo

  • Kin

  • Travelers

  • USAA*

*USAA homeowners insurance is available only to active military, veterans and their families.

Note: Not all insurers are available in all states.

How we ranked the top home insurance companies: NerdWallet’s editorial team considered coverage options, discounts, complaint data from the National Association of Insurance Commissioners, financial strength grades from AM Best and more to determine the best homeowners insurance companies. As we continue to evaluate more insurance providers and receive fresh data, this list of best home insurance companies is likely to change.

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