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Best Homeowners Insurance Agencies in Washington DC

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Ahart Frinzi & Smith Insurance logo
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Ahart Frinzi & Smith Insurance

127 S Peyton St Ste 201, Alexandria, VA 22314
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Since the 1950s, Ahart, Frinzi & Smith Insurance has been selling home insurance to residents of Washington, D.C., out of its office in Alexandria, Virginia. The company has a secondary office in Phillipsburg, New Jersey, and is a Trusted Choice independent insurance agency. Its home insurance products include homeowners and renters insurance. These policies cover the cost of loss resulting from burglary, theft, natural disaster, or fire and include personal liability coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Asma Atique - State Farm Insurance Agent logo
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Asma Atique - State Farm Insurance Agent

12751 Marblestone Dr Ste 250, Woodbridge, VA 22192
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Asma Atique State Farm Insurance Agent has been serving clients in the Washington metropolitan area since 2009. Agent Asma Atique is licensed to sell insurance throughout DC, as well as in Virginia and Maryland. She works with homeowners to help them select State Farm insurance products that best suit their needs and offers assistance throughout the process of obtaining a quote and purchasing a policy. Additionally, Ms. Atique offers help with claims and policy changes, as needed.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
5.0 / 5 (6)
Yelp
2.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Cambridge Broyhil Chambers Insurance logo
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Cambridge Broyhil Chambers Insurance

725 Shepherd St NW, Washington, DC 20011
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  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types

Business Description

Cambridge Broyhil Chambers Insurance provides risk management solutions in Washington, D.C. It processes a wide selection of personal protection products, which include homeowners' insurance. This type of insurance protects individuals and families from monetary losses due to unforeseen events like fire, hail, vandalism, and theft. The independent agency also writes customized renters', umbrella, flood, auto, and motorcycle insurance. It represents multiple carriers, such as Progressive, Chubb, and CNA. The company is a member of the Strategic Insurance Agency Alliance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)
Google
5.0 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Cascade Insurance Group logo
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Cascade Insurance Group

1100 N Glebe Rd Ste 1010, Arlington, VA 22201
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Arlington-based Cascade Insurance Group serves Washington, D.C., Maryland, and Virginia. It's an independent Erie Insurance Agent, which has been insuring clients since 1925. Policies are available to cover homeowners and renters. The company offers policies that cover all risks or named risks, and the agents outline the benefits of each option. Cascade Insurance Group provides free comparative rate quotes on homeowners insurance. It also provides auto, life, personal, and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.5 / 5 (34)
Google
4.5 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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CMR Insurance Agency logo
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CMR Insurance Agency

1400 North 14th Street Suite 3 – 12th Floor, Arlington, VA 22209
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  • Multiple Policy Types
  • Homeowners

Business Description

CMR Insurance Agency LLC, which was founded in 2006, is an independent insurance operator located in Arlington, Virginia, and serving the Virginia, Maryland, North Carolina and Washington, D.C., area. The team provides bilingual service, offering homeowners coverage against fire, flood, theft, and personal liability for both primary and secondary residences. Its personalized coverage comes from recognized underwriters including Hagerty, Hartford Mutual, and Pennock Insurance. It has been ERIE Founder's Award Recipient 10 Years in a Row.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (55)
Facebook
5.0 / 5 (48)
Yelp
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Crystal Insurance Agency logo
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Crystal Insurance Agency

1801 Belmont Rd NW Ste 201, Washington, DC 20009
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  • Renter's Insurance
  • Homeowners

Business Description

Crystal Insurance Agency was founded in 1984 and is based in Washington, D.C.. It offers home insurance services, providing insurance coverage for primary residences, condominiums, and vacation homes, as well as offering renters insurance. Policies have optional riders for flood damage. Crystal Insurance Agency also offers health, life, auto, and business insurance. The agency's founder, Margarita Dilone, was the first bilingual English and Spanish property agent in the metropolitan area.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.4 / 5 (34)
Facebook
5.0 / 5 (17)
Yelp
4.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Danaher Skewes & Associates logo
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Danaher Skewes & Associates

205 S Whiting St Ste 401, Alexandria, VA 22304
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  • Personal Property Insurance
  • Homeowners

Business Description

Danahar Skewes & Associates is a locally-owned independent insurance agency based in Alexandria, Virginia, serving Manassas, Fredericksburg, and the surrounding areas from two additional offices. Since 1963, it has found appropriate home insurance policies that adequately cover the cost of anything from minor incidents to total loss. The agency represents a range of insurance carriers to ensure its clients are provided with a wide choice of policies. It also arranges insurance for businesses and non-profit organizations.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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––
Elaine Gossage - State Farm Insurance Agent logo
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Elaine Gossage - State Farm Insurance Agent

7568 Main St, Sykesville, MD 21784
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Elaine Gossage State Farm Insurance Agent has been serving families and individuals in the Washington metro area for more than 25 years. This agency sells a variety of personal insurance products, including homeowners policies that cover clients in case of accidents, disasters, and theft. In addition to home insurance, it sells a variety of other State Farm policies. That includes coverage for vehicles, pets, and healthcare expenses. Agent Elaine Gossage is licensed to sell insurance in D.C. and Maryland.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Foresight Insurance logo
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Foresight Insurance

11821 Parklawn Dr Ste 305, North Bethesda, MD 20852
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Based in North Bethesda, Maryland, Foresight Insurance is an independent insurance agency serving people and businesses throughout the Washington D.C. metro area. Home insurance is one of many in its wide range of products. The agency tailors each policy with its clients and insurance partners and ensures its clients understand the details of coverage. Policies normally cover the cost of repairs and reimbursement for damaged or stolen property. They can also meet living expenses if the family requires temporary accommodation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (64)
Facebook
4.9 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
HBW Insurance Group, Inc logo
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HBW Insurance Group, Inc

2 E. Rolling Crossroads, Suite 151, Catonsville, MD 21228
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Condos

Business Description

HBW Insurance Group Inc. offers insurance sales and assistance for clients in Washington and throughout several states. This agency sells new home insurance policies, as well as policies that protect clients' financial wellbeing after accidents or disasters cause damage to their cars and other personal property. Some of the carriers this agency represents include Progressive, Liberty Mutual, and Farmers. HBW Insurance Group Inc. is a Trusted Choice Independent Insurance Agent.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance Island logo
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License Verified:

License: 7705902

DC Department of Insurance, Securities and Banking

Insurance Island

1615 Q Street NW Suite 1108, Washington, DC 20009
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  • Multiple Policy Types

Business Description

Insurance Island caters to individuals and families in Washington, D.C. and nearby locations. It offers a variety of personal protection plans, helping clients acquire homeowners' insurance. The independent company helps policyholders file claims to secure reimbursements for property damage and physical injuries caused by perils like natural disasters, vandalism, and theft. Its agents also process renters' and auto insurance. They have access to multiple carriers, such as Foremost, Allstate, Encompass, CNA, and Dairyland. Insurance Island for over two decades.

License Verified:

License: 7705902

DC Department of Insurance, Securities and Banking

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jim Myers - State Farm Insurance Agent logo
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Jim Myers - State Farm Insurance Agent

8894 Stanford Blvd # 101, Columbia, MD 21045
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Serving clients throughout the Washington metropolitan area, Jim Myers State Farm Insurance Agent has been operating since 2016. This office helps customers determine what types and amounts of coverage they need to protect the value of their home when disasters or accidents occur. In addition to home insurance, this agency also sells renters, auto, and life insurance. Agent Jim Myers is licensed to sell insurance products throughout D.C. and Maryland.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (52)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
John Stein - State Farm Insurance Agent logo
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John Stein - State Farm Insurance Agent

6630 Baltimore National Pike Ste 100B, Baltimore, MD 21228
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  • Condos
  • Renter's Insurance
  • Personal Property Insurance

Business Description

John Stein State Farm insurance Agent sells homeowners insurance policies in Washington, as well as throughout D.C., Maryland, and Virginia. Its team works with clients to help them find the right coverage options for their homes, as well as to file claims and make changes to their policies whenever needed. Other types of insurance sold by John Stein State Farm Insurance Agent include Medicare supplement, life, auto, and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Nik Creighton - State Farm Insurance Agent logo
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Nik Creighton - State Farm Insurance Agent

3290 Pine Orchard Lane Suite D, Ellicott City, MD 21042
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Nik Creighton State Farm Insurance Agent sells home insurance and other personal insurance products for clients in Washington and throughout Maryland. Its agents work with clients to help them determine what types and amounts of coverage they need to buy. They also help policyholders whenever changes need to be made to their policies, as well as when claims need to be filed. Other insurance products this agency sells include auto and life policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Oberryman Insurance Agency logo
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Oberryman Insurance Agency

2500 Hunter Place, Woodbridge, VA 22192
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  • Fire
  • Multiple Policy Types

Business Description

Serving clients since 2000, Oberryman Insurance Agency offers homeowners insurance policies for clients in Washington, as well as throughout Virginia, Maryland, and DC. Its team of agents is committed to helping clients obtain policies from reliable carriers such as Farmers, Travelers, and Progressive. When working with homeowners, agents use home assessments and valuations of the homes' contents to determine how much coverage a client should purchase. Other types of insurance this agency sells include life and business.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (24)
Facebook
5.0 / 5 (8)
Yelp
45.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Old Bay Insurance Agency logo
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Old Bay Insurance Agency

133 Defense Highway, Annapolis, MD 21401
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  • Renter's Insurance

Business Description

Old Bay Insurance Agency provides homeowners' insurance products and services to residents of Washington DC and the surrounding areas. For more than 25 years, the provider has offered storm damage insurance, dog bite liability, manufactured home coverage, swimming pool liability insurance, and sewer backup insurance. Its team of advisors has over 60 years of combined experience in the industry and offers policies personalized to the clients' needs and circumstances. Additionally, Old Bay Insurance Agency offers other insurance products like auto, boating, life, and renters' insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (56)
Facebook
5.0 / 5 (12)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Preferred Insurance logo
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Preferred Insurance

4035 Ridge Top Road, Fairfax, VA 22030
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  • Condos
  • Renter's Insurance
  • Flood

Business Description

Preferred Insurance sells a variety of personal insurance products for clients in Washington and throughout its nearby areas. This agency strives to help clients find the best coverage options to suit their needs by shopping quotes and policy offerings from a broad range of carriers. When helping homeowners, agents discuss optional insurance such as earthquake and flood policies, as well as personal contents insurance. Other products sold include policies that cover weddings, recreational vehicles, and businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Facebook
4.8 / 5 (16)
Google
4.4 / 5 (5)
Yelp
3.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Puffenbarger Insurance & Financial Services Inc logo
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Puffenbarger Insurance & Financial Services Inc

9914 Main Street, Fairfax, VA 22031
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  • Renter's Insurance
  • Condos

Business Description

Puffenbarger Insurance & Financial Services Inc. is an insurance agency that serves clients in the Washington metro area. This agency works with a variety of the country's top carriers, including Nationwide and Progressive. It helps its clients select policy options and obtain quotes for homeowners insurance policies, as well as life, auto, and business policies. Puffenbarger Insurance is a family-owned and operated business. Other services include financial planning, college planning, and wealth management.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ryan Nash - State Farm Insurance Agent logo
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Ryan Nash - State Farm Insurance Agent

1200 E Fort Ave, Baltimore, MD 21230
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Ryan Nash State Farm Insurance Agent helps clients obtain homeowners insurance policies. Serving families and individuals in the Washington metro area, this agency strives to ensure that everyone it serves has adequate coverage for their homes and the personal belongings they keep inside. It also carries an array of other State Farm insurance products, including auto, health, life, and pet insurance. Ryan Nash State Farm Insurance Agent is licensed to sell insurance in D.C., Maryland, and Virginia.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (58)
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ryant Insurance & Financial Services logo
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Ryant Insurance & Financial Services

100 M Street SE, Suite 600 Office #658, Washington, DC 20003
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  • Renter's Insurance

Business Description

Ryant Insurance & Financial Services is an independent agency serving Washington DC and nearby areas. Its products include home insurance, which covers additional living expenses in case the policyholder needs to rent a house temporarily. Its agents also furnish plans that protect homeowners' valuable possessions such as wine collections, jewelry, and fine art. They have access to policies from different carriers, including The Hartford, Nationwide, and Tapco. Principal agent Brad Ryant Sr. has more than 35 years of experience in the insurance industry.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.4 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Trendstar Insurance Inc. logo
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Trendstar Insurance Inc.

9560 Marlboro Pike Suite 204, Upper Marlboro, MD 20772
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Trendstar Insurance Inc. provides comprehensive home insurance in Upper Marlboro, Maryland, and the surrounding areas. As an independent agency, it is affiliated with multiple carriers and provides customized quotes in order to find the best home insurance coverage for its clients to protect them in the event of a disaster. Trendstar Insurance's agents are trained to asses their client's risks and provide an objective analysis to offer comparative quotes and policies for insuring homes.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs