Homeowners Insurance Guide: Protect Your Biggest Investment
Your home is likely your largest asset. The right homeowners insurance protects against disasters, theft, and liability claims.
What Does Homeowners Insurance Cover?
Dwelling Coverage (Coverage A)
Protects the structure of your home including walls, roof, and foundation.
Personal Property (Coverage C)
Covers your belongings inside and outside the home. Typically 50-70% of dwelling coverage.
Liability Protection (Coverage E)
Protects against lawsuits. Minimum recommended: $300,000 - $500,000.
Additional Living Expenses (Coverage D)
Pays for temporary housing if your home is uninhabitable.
Average Home Insurance Costs by State 2025
| State | Average Annual Premium |
|---|---|
| Oklahoma | $4,200 |
| Florida | $3,600 |
| Texas | $3,200 |
| California | $1,400 |
| New York | $1,300 |
| Ohio | $1,100 |
Best Home Insurance Companies 2025
- Amica Mutual: Top-rated claims satisfaction
- USAA: Excellent for military families
- Erie Insurance: Great rates, guaranteed replacement cost
- Allstate: Wide coverage options
- Lemonade: Digital-first, fast claims
Home Insurance Discounts
- Multi-policy discount (save 10-25%)
- Security system (save 5-20%)
- Claims-free (save 10-20%)
- New roof (save 5-35%)
- Non-smoker (save 5-10%)
Special Coverage Considerations
- Flood insurance: Separate policy required
- Earthquake coverage: Add-on in high-risk areas
- Valuable items: Scheduled personal property endorsement
