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Best Homeowners Insurance Of July 2024

Deputy Editor, Insurance
Home Insurance Expert

Reviewed

Updated: Jul 1, 2024, 5:35am

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Our analysis of 14 home insurers finds that Westfield is the best homeowners insurance company. State Farm and USAA are also among our top picks. Our analysis included costs, complaints and coverage options. Take these factors into account when shopping for home insurance. The right policy will protect your home and belongings, and give you liability coverage in case someone gets hurt and blames you.

How We Chose the Best Homeowners Insurance Companies

We analyzed home insurance rates, complaints and other factors. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate insurance companies, so all companies are measured equally. You can read more about our editorial guidelines and the methodology for the ratings below.

  • 70 coverage details scored
  • 33,200 rates analyzed
  • 102 years combined insurance experience on the editorial team

Read more

Summary: Best Home Insurance Companies

Company Forbes Advisor Rating Our expert take
Westfield Westfield Logo 5.0 5 stars View More Best for Price

State Farm

State Farm Logo 4.8 5 stars View More Great for Bundling Auto and Home

USAA*

USAA Logo 4.8 5 stars View More Best for Military and Veterans

Nationwide

Nationwide Logo 4.6 4.6 stars View More Great for High-Value Homes

Chubb

Chubb Logo 4.4 4.4 stars View More Best for High Liability Limits

Erie

Erie Logo 4.4 4.4 stars View More Great for Coverage Perks

American Family

American Family Logo 4.0 4 stars View More Great for Extended Coverage for Dwellings

Auto-Owners

Auto-Owners Logo 4.0 4 stars View More Great for Discounts

*USAA home insurance is available only to members of the military, veterans and their families.


Best for Price

Westfield

Westfield
5.0
Our ratings take into account homeowners insurance rates and complaints against the companies. All ratings are determined solely by our editorial team.

Average cost for $350,000 of coverage

$1,344 yearly/$112 monthly

Online quotes

No

Westfield
See Plans Arrow

Compare rates from participating partners via EverQuote's website.

$1,344 yearly/$112 monthly

No

Editors’ Take

Westfield has the lowest average prices among the top-scoring companies in our analysis. We also like its expanded dwelling coverage, including extended replacement cost and guaranteed replacement cost coverage. Westfield’s Estatepak home insurance is designed for high-value homes, and Wespak Estate combines luxury home coverage with auto insurance.

  • Low rates among the companies we evaluated.
  • Low complaint level indicates overall customer satisfaction.
  • Some Westfield home insurance policies include equipment breakdown coverage.

More: Westfield Home Insurance Review

Expert’s Take

Westfield is known for its personalized approach to home insurance, offering customizable coverage options tailored to individual needs. Their customer service and claims handling are typically reliable, providing peace of mind to policyholders.

?– David Perkins, founder of Assured Claim Service?

Drawbacks
  • Offers homeowners insurance in only 10 states.
  • Customers may encounter a banned dog list.
3-Year Complaint Trend

Westfield has consistently had a low complaint ratio to state departments of insurance compared to the industry average over the past three years.

Westfield Home Insurance Complaint Levels by Year Graph

States Available In

Westfield sells home insurance in these 10 states:

  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Michigan
  • Minnesota
  • Ohio
  • Pennsylvania
  • Tennessee
  • West Virginia

Great for Bundling Auto and Home

State Farm

State Farm
4.8
Our ratings take into account homeowners insurance rates and complaints against the companies. All ratings are determined solely by our editorial team.

Average cost for $350,000 of coverage

$1,298 yearly/$108 monthly

Online quotes

Yes

State Farm
See Plans Arrow

Compare rates from participating partners via EverQuote's website.

$1,298 yearly/$108 monthly

Yes

Editors’ Take

We found that State Farm has decent prices and the highest average discount for bundling home and auto insurance among the companies we evaluated. Dog owners will like that the company doesn’t have a banned dog list.

  • Average 23% savings when you bundle home and auto insurance.
  • Offers an option for extended replacement cost coverage that extends your insurance limit when rebuilding costs are more than your stated dwelling coverage amount.
  • No banned dog list.

More: State Farm Home Insurance Review

Expert’s Take

State Farm is often recognized for its broad national presence and generally reliable customer service, making it a staple in the home insurance market. Their ability to offer extensive resources and a stable claims process makes them a dependable choice for many homeowners. We often encounter clients who appreciate State Farm’s straightforward approach to claims and their comprehensive coverage options.

– John Christ, founder of Prestizia Insurance

Drawbacks
  • Complaint levels are at the industry average but many top competitors have much lower levels.
  • Doesn’t offer guaranteed replacement coverage, which increases dwelling coverage to replace your home after a problem covered by your policy, regardless of a house’s rebuilding costs.
  • State Farm agents will be knowledgeable about the company’s products but won’t help you compare other insurers.
3-Year Complaint Trend

State Farm has been consistently near the industry average for home insurance complaints, though higher than top competitors.

State Farm Home Insurance Complaint Levels by Year Graph

States Available In

State Farm offers home insurance in all 50 states and Washington, D.C.

Best for Military and Veterans

USAA

USAA
4.8
Our ratings take into account homeowners insurance rates and complaints against the companies. All ratings are determined solely by our editorial team.

Average cost for $350,000 of coverage

$1,270 yearly/$106 monthly

Online quotes

Yes

USAA
See Plans Arrow

Compare rates from participating partners via EverQuote's website.

$1,270 yearly/$106 monthly

Yes

Editors’ Take

We found that USAA delivers low prices and quality service to military members, veterans and their families. Those who are eligible should definitely consider USAA insurance. We also like that customers can take advantage of a variety of discounts through the USAA perks program, including hotels, rental cars and cruises.

  • Excellent home insurance rates.
  • Low complaints indicate quality customer service.
  • No banned dog list.
  • Offers extended replacement cost for dwellings.

More: USAA Home Insurance Review

Expert’s Take

USAA is a highly reputable insurer known for its excellent customer service and competitive rates. They offer a wide range of coverage options to meet the needs of homeowners, including comprehensive coverage for both the structure of the home and its contents. Overall, I highly recommend USAA to homeowners who are looking for a reliable and affordable insurance provider.

– Paige Robinson, owner of House Buyers

Drawbacks
  • Available only to active military personnel and veterans and their families.
  • Doesn’t offer guaranteed replacement coverage, which covers costs to rebuild your home, regardless of amount, if it’s destroyed.
3-Year Complaint Trend

USAA has much better complaint levels than the average. This result can signify strong customer satisfaction.

USAA Home Insurance Complaint Levels by Year Graph

States Available In

USAA sells home insurance in all 50 states and Washington, D.C.

Great for High-Value Homes

Nationwide

Nationwide
4.6
Our ratings take into account homeowners insurance rates and complaints against the companies. All ratings are determined solely by our editorial team.

Average cost for $350,000 of coverage

$1,157 yearly/$96 monthly

Online quotes

Yes

Nationwide
See Plans Arrow

Compare rates from participating partners via EverQuote's website.

$1,157 yearly/$96 monthly

Yes

Editors’ Take

We like Nationwide’s competitive rates and that it offers both extended and guaranteed replacement cost coverage. High-net-worth homeowners will probably like Nationwide’s Private Client insurance, which includes a cash-out option if your home is destroyed and you decide not to rebuild. That coverage also reimburses you for accidental breakage of items such as crystal and china, and equipment breakdown coverage for appliances and home systems.

  • Low-cost average home insurance rates for varying levels of coverage—all well below the national averages.
  • “Dwelling replacement cost plus” options provide extended coverage if your house is destroyed.
  • No banned dog list.

More: Nationwide Home Insurance Review

Expert’s Take

Nationwide offers comprehensive home insurance coverage with additional options for policyholders to enhance their protection. Their strong financial stability and large presence make them a reliable choice for homeowners seeking peace of mind.

– David Perkins, an insurance expert and founder of Assured Claim Service

Drawbacks
  • Not available in Alaska, Florida, Hawaii, Louisiana, Massachusetts, New Jersey and New Mexico.
3-Year Complaint Trend

Nationwide’s recent complaint level for home insurance is lower than in previous years.

Nationwide Home Insurance Complaint Levels by Year Graph

States Available In

Nationwide offers home insurance is available in 43 states and Washington, D.C. It is not available in Alaska, Florida, Hawaii, Louisiana, Massachusetts, New Jersey and New Mexico.

Best for High Liability Limits

Chubb

Chubb
4.4
Our ratings take into account homeowners insurance rates and complaints against the companies. All ratings are determined solely by our editorial team.

Average cost for $350,000 of coverage

$1,810 yearly/$151 monthly

Online quotes

No

Chubb
See Plans Arrow

Compare rates from participating partners via EverQuote's website.

$1,810 yearly/$151 monthly

No

Editors’ Take

We think homeowners will appreciate Chubb’s excellent customer service and extended replacement cost coverage. Owners of high-value homes will appreciate Chubb’s high liability coverage limits. The company also offers the option to receive a cash settlement if your house is destroyed and you don’t wish to rebuild. Top-notch service includes Chubb’s Wildfire Defense Service for clients in wildfire-prone areas. This includes wildfire preparation and firefighting service when fires threaten a home.

  • High liability limits available up to $100 million.
  • Expanded benefits, including GreenWise, which pays to replace damaged items with environmentally-friendly materials, low-impact processes and efficient heating and cooling technology.
  • Chubb’s HomeScan program helps prevent damage by finding leaks, missing insulation and faulty electrical connections.
  • No banned dog list.

More: Chubb Home Insurance Review

Expert’s Take

Chubb is targeted toward the high-end market and offers some of the most comprehensive coverage available, which is a boon for clients with high-value properties that require more than just basic coverage. They handle claims with utmost professionalism and detail, ensuring that their affluent clientele receives the level of service they expect.

– Patti Yencho, owner and agent at Professional Insurance Advisors

Drawbacks
  • Home insurance rates are higher than many competitors but policies include superior coverage.
3-Year Complaint Trend

Chubb has consistently had extremely low levels of complaints about its home insurance. This reflects strong customer satisfaction.

Chubb Home Insurance Complaint Levels by Year Graph

States Available In

Chubb offers home insurance policies in all 50 states and Washington, D.C.

Great for Coverage Perks

Erie

Erie
4.4
Our ratings take into account homeowners insurance rates and complaints against the companies. All ratings are determined solely by our editorial team.

Average cost for $350,000 of coverage

$1,256 yearly/$105 monthly

Online quotes

No

Erie
See Plans Arrow

Compare rates from participating partners via EverQuote's website.

$1,256 yearly/$105 monthly

No

Editors’ Take

We found that Erie stands out from many competitors for its competitive rates, good customer service and superior dwelling coverage options. Erie is worthy of being a top contender if you live where it’s available. With both extended and guaranteed replacement cost options, you can make sure you have ample funds to rebuild your house.

  • Low complaint level indicates good customer service.
  • Erie’s Extended Water covers natural disaster floods, which aren’t typically covered by standard home insurance, and other water damage.
  • Erie’s SecureHome policies include several perks such as coverage for misplacing and lost jewelry, watches, silverware, guns and more.

More: Erie Home Insurance Review

Expert’s Take

Erie Insurance is known for its exceptional customer service and competitive rates. They offer a range of coverage options and discounts, making them a popular choice among homeowners looking for affordable yet reliable insurance protection.

– David Perkins, founder of Assured Claim Service

Drawbacks
  • Available in only 12 states and Washington, D.C.
  • Has a banned dogs list.
3-Year Complaint Trend

Erie has very low complaint levels about its home insurance, and much better than the industry average.

Erie Home Insurance Complaint Levels by Year Graph

States Available In

Erie sells home insurance in 12 states and Washington, D.C.:

  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Tennessee
  • Virginia
  • West Virginia
  • Wisconsin

Great for Extended Coverage for Dwellings

American Family

American Family
4.0
Our ratings take into account homeowners insurance rates and complaints against the companies. All ratings are determined solely by our editorial team.

Average cost for $350,000 of coverage

$2,020 yearly/$168 monthly

Online quotes

Yes

American Family
See Plans Arrow

Compare rates from participating partners via EverQuote's website.

$2,020 yearly/$168 monthly

Yes

Editors’ Take

We like American Family for its extended and replacement cost coverage, which allows you to exceed dwelling coverage limits if you need to rebuild your home. We also like its multiple types of home insurance discounts.

  • Low complaint levels for home insurance.
  • Offers a variety of discounts, such as a “renovated home” discount if you’ve updated your electrical, heating or plumbing systems.
  • Doesn’t have a banned dog list.

More: American Family Home Insurance Review

Expert’s Take

American Family insurance offers customizable home insurance policies with additional options for policyholders to tailor their coverage to their specific needs. Their focus on customer satisfaction and community involvement sets them apart in the industry.

– David Perkins, founder of Assured Claim Service

Drawbacks
  • Higher than average home insurance rates.
  • Not available in many states.
3-Year Complaint Trend

American Family home insurance has had low complaint levels over the past three years.

American Family Home Insurance Complaint Levels by Year Graph

States Available In

American Family offers home insurance in 19 states:

  • Arizona
  • Colorado
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nebraska
  • Nevada
  • North Dakota
  • Ohio
  • Oregon
  • South Dakota
  • Utah
  • Washington
  • Wisconsin

Great for Discounts

Auto-Owners

Auto-Owners
4.0
Our ratings are calculated based on fees, rates, rewards and other category-specific attributes. All ratings are determined solely by our editorial team.

Average cost for $350,000 of coverage

$1,525 yearly/$127 monthly

Online quotes

No

Auto-Owners
See Plans Arrow

Compare rates from participating partners via EverQuote's website.

$1,525 yearly/$127 monthly

No

Editors’ Take

We’re impressed by Auto-Owners many policy discounts, including price breaks for being claims-free, being mortgage-free, having an automatic generator back-up, having protective devices, paying in full and more.

  • Competitive home insurance rates.
  • Additional coverage types such as equipment breakdown and home cyber insurance.
  • Provides both extended replacement cost and guaranteed replacement cost coverage.
  • Level of home insurance complaints against Auto-Owners to state insurance departments is very low.

More: Auto-Owners Home Insurance Review

Expert’s Take

Auto-Owners often gets overlooked, which is a shame. Very strong customer satisfaction ratings. Their niche is well-maintained, not-too-unusual homes. If your house fits that profile, they’re absolutely worth a look.

– Samuel Green, CEO of Blue Insurance

Drawbacks
  • Has a banned dog list, which could restrict your coverage if you have a canine breed on the list.
  • Only available in 26 states.
3-Year Complaint Trend

Auto-Owners’ home insurance consistently has lower complaints than the average—a good sign of customer satisfaction.

Auto-Owners Home Insurance Complaint Levels by Year Graph

States Available In

Auto-Owners is available in these 26 states:

  • Alabama
  • Arizona
  • Arkansas
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Missouri
  • Nebraska
  • North Carolina
  • North Dakota
  • Ohio
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Utah
  • Virginia
  • Wisconsin

Which Home Insurance Companies Offer Extended Replacement Cost?

Which Home Insurance Companies Offer Guaranteed Replacement Cost?

Which Home Insurance Companies Have a Banned Dog List?

How To Find The Best Homeowners Insurance

We suggest taking these steps to find the best home insurance.

1. Determine How Much Coverage You Need

Review each basic coverage type and adjust the limits to fit your specific needs. Here are the main coverage types to consider.

Dwelling coverage icon

Dwelling coverage. The dwelling coverage should match the cost to rebuild your house, based on local construction labor and material costs.

Extended dwelling coverage icon

Extended dwelling coverage. We recommend adding extended or guaranteed replacement cost coverage if your insurer offers one or both. These provide reimbursement above your dwelling limit if the cost of rebuilding turns out to be more than expected. We think this coverage is a smart buy.

Contents coverage icon

Contents coverage. This reimburses you for replacing stolen or damaged possessions, including furniture and clothes. We recommend making sure your policy has replacement cost coverage. This reimburses you for the cost of new items, as opposed to the depreciated value of your damaged items. If you have high-value items such as antiques, we recommend scheduling personal property.

Liability insurance icon

Liability insurance. This pays other people if you cause injuries or property damage. We recommend buying enough liability coverage to cover what can be taken from you in a lawsuit. Supplement home insurance with umbrella insurance for extra liability coverage.

Medical payments icon

Medical payments. Medical payments coverage is available in small amounts, such as $1,000 to $5,000. It pays the medical bills of people who blame you for accidental injuries, without regard to fault.

Additional living expenses icon

Additional living expenses. Additional living expenses coverage reimburses you for extra costs—such as a hotel or rental—if you can’t live at home because of damage from a problem covered by your policy.

Other coverage icon

Other coverage. Fill in gaps with supplemental coverage like insurance for floods, earthquakes, water and sump overflow, and more.

2. Compare Home Insurance Quotes

It’s smart to compare home insurance quotes from multiple insurance companies. Insurers’ rates can vary considerably for the same coverage, so it’s good to compare quotes from at least three companies.

3. Ask About Home Insurance Discounts

Insurance companies offer many home insurance discounts that can reduce your policy costs. Here are common ones.

Type of discount How to qualify
Claims-free discount
Don’t file a home insurance claim within the last few years.
Insurance payment discounts
Pay in full or go paperless.
Loyalty discount
Stay with the same company.
Multi-policy discount
Buy auto insurance from your home insurance company
Protective device discounts
Install security, fire-safety or water leak-detection devices.
Renovated home discount
Upgrade plumbing, heating or electrical.
Roof age discount
Install a new roof.


Expert Round-Up:

What’s the best home insurance isn’t the same for everyone. Here’s how to find the best home insurance for you.

EXPERT TIPS

Tips for Finding the Best Home Insurance

George Hosfield

George Hosfield

Advisory Board Member

Les Masterson

Les Masterson

Insurance Editor

Ashlee Valentine

Ashlee Valentine

Insurance Editor

Amy Danise

Amy Danise

Insurance Managing Editor

Michelle Megna

Michelle Megna

Insurance Lead Editor

Examine the Roof Coverage

Roof claims are one of the most common (and expensive) claim types and the terms of roof coverage can vary significantly. Some policies provide coverage for the full replacement cost of the roof. Others only provide the current “actual cash value” which may be a fraction of the total cost. Some policies have separate, higher deductibles for roof claims. When comparing policies, be sure to understand these nuances.

George Hosfield

George Hosfield

Advisory Board Member

Get the Right Dwelling Coverage Amount

Your home insurance company or agent should be able to provide an estimate of how much it would cost to rebuild your house. This should be your dwelling coverage amount. One common mistake I’ve seen is that people confuse this amount with the real estate market value, but it’s not the same. And don’t include land value.

Les Masterson

Les Masterson

Insurance Editor

Ask About a Bundling Discount

Our research finds that home insurance discounts can save you hundreds on your policy. One of the best discounts is bundling home and auto policies. We found that State Farm beats competitors with an average 23% multi-policy discount. Make sure to ask about how much you can save by bundling.

Ashlee Valentine

Ashlee Valentine

Insurance Editor

Look for Insurers That Specialize in High-Value Homes

We suggest owners of high-value homes focus on insurers that specialize in high-value homes such as Chubb. They can provide high levels of liability coverage and have special coverage options that address the needs of these homeowners.

Amy Danise

Amy Danise

Insurance Managing Editor

Get Multiple Quotes So You Know What’s a Good Deal

When shopping for home insurance, I recommend making sure you get quotes for the same coverage from at least three insurers. That will allow you to accurately compare each company.

Michelle Megna

Michelle Megna

Insurance Lead Editor


Home Insurance Complaint Comparison

Nearly all of our top picks for the best home insurance companies have complaint levels that are below the industry average.

Ask an expert

We Answer Your Questions

Michelle Megna

Michelle Megna

Insurance Lead Editor

Les Masterson

Les Masterson

Insurance Editor

Jason Metz

Jason Metz

Insurance Lead Editor

Penny Gusner

Penny Gusner

Insurance Senior Writer

Does home insurance cover flood damage?

-Michael I., Brentwood, Tennessee

No, standard homeowners insurance doesn’t cover flood damage. You instead typically need to buy a separate flood insurance policy either through the National Flood Insurance Program or a private insurer that sells flood coverage. NFIP policies are capped at $250,000 dwelling coverage but I’ve found that you may be able to find higher levels with a private insurance company.

Michelle Megna

Michelle Megna

Insurance Lead Editor

When should you not file a home insurance claim?

-Ron T., St. Louis, Missouri

Filing a home insurance claim can increase your rates at the next renewal time, so you want to make sure you won’t pay more to fix your home or replace your items in the long run. For instance, if you have a $1,000 deductible and you’re reporting a loss of, say, less than $1,500, it likely wouldn’t be wise to file a claim, since you’ll likely pay more over time because of the possible rate increase.

Les Masterson

Les Masterson

Insurance Editor

How do you figure out how much liability insurance you need?

-Don D., Phoenix, Arizona

When choosing a liability insurance amount, think about your assets and savings, which could be at risk if you’re sued. A policy’s liability coverage generally only goes up to $500,000. If you need more coverage, you can buy umbrella insurance, which will offer liability coverage of $1 million and up.

Jason Metz

Jason Metz

Insurance Lead Editor

Besides a home insurance company’s costs, what else is important when deciding on an insurer?

-Joseph M., Martinsville, Virginia

An insurance company’s offerings, financial stability and customer satisfaction may all be factors when choosing an insurer. For instance, extended replacement and guaranteed replacement coverage are options not offered by all insurers. These coverage upgrades provide higher dwelling coverage if your home is damaged or destroyed and inflation and/or higher building costs exceed your policy’s coverage limit. If that extra coverage is important to you, narrow your options to companies that offer that coverage.

Penny Gusner

Penny Gusner

Insurance Senior Writer


Methodology

To find the best home insurance companies we analyzed costs around the country, policy information and complaints against insurers. We scored companies based on these factors:

  • Home insurance rates (50% of score): Based on average rates for each insurance company for homes with dwelling coverage of $200,000, $350,000, $500,000 and $750,000. Source: Quadrant Information Services.
  • Complaints (20% of score): Based on complaints about home insurance that were upheld by state insurance departments. Source: National Association of Insurance Commissioners.
  • Availability of extended and/or guaranteed replacement cost coverage (20% of score): Extra dwelling coverage is valuable in the event of large disasters, when construction materials and labor costs tend to spike. We gave points to companies that offer either extended or guaranteed replacement cost coverage. Source: Forbes Advisor research.
  • Banned dog lists (10% of score): Banned dog breed lists can make homeowners ineligible for coverage. (A company’s banned dog list might not be applicable in all states.) While any homeowners insurance company could potentially ban any dog with a biting history, not all put a ban on specific breeds. Source: Forbes Advisor research.

Read more: How Forbes Advisor rates home insurance companies


Other Homeowners Insurance Companies We Rated

Here are other companies we analyzed.

Company Forbes Advisor rating
3.8 stars
3.8 stars
3.4 stars
3.4 stars
3.2 stars
3.2 stars
Shelter
3 stars
3.0 stars
2.9 stars
2.9 stars
1 star
1.0 stars

Looking for Homeowners Insurance?

Compare policies from participating partners via EverQuote


Best Homeowners Insurance Frequently Asked Questions (FAQs)

Who has the cheapest home insurance?

Based on our analysis, the cheapest home insurance companies are Progressive, Nationwide, Erie, USAA and State Farm.

 

Those are good starting points, but the cheapest home insurance for you will vary depending on your location and the type of house you’re insuring. Shop around for a few home insurance quotes. And if you’re also getting car insurance quotes, ask about a discount for bundling auto and home insurance with the same company.

What does homeowners insurance cover?

Homeowners insurance covers your house, other structures on your property like a detached garage, personal property like furniture and clothing, liability insurance, additional living expenses and medical payments coverage.

 

HO-3 is the most common type of homeowners insurance policy and it covers your house for any problems except those specifically excluded in the policy. It additionally covers personal property for specific problems named in the policy, such as fire, theft and smoke damage.

How do I file a homeowners insurance claim?

Contact the home insurance company or your insurance agent to file a home insurance claim over the phone, through the company’s website, chat, email or app, depending on the company. You want to document the loss by providing information about the cause, when it happened and a list of what was lost.

 

If your home was damaged, you should try to prevent more damage, such as boarding up a broken window. We wouldn’t suggest fixing the problem before contacting your insurance company. The insurer may want to send an adjuster to observe the damage. You should also keep damaged items so the insurer can document. Once the insurance company is done with its investigation, the insurer will offer a claims payout.


Next Up In Homeowners Insurance


Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. First, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. Second, we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our partners who offer products that we have affiliate links for.
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