State Guides
When it comes to house insurance, no two states are the same. Insurance regulations differ vastly from state to state, as do the coverage options that insurers are willing to offer. Every state has a Department of Insurance that oversees companies in the home, auto, health, and life insurance industries. The Department of Insurance regulates the insurers that are licensed to issue policies in the state, and they also investigate policyholder complaints against their insurance companies. Also a valuable resource to consumers, the Department of Insurance provides information on average premiums by region and customer complaint ratios for individual insurance companies.
To stay abreast of the regulations and requirements in your state, browse through our state guides. You will find helpful information on things like mandatory minimum laws, coverages available in your area, and the insurers that issue policies in your state. Additionally, with regard to house insurance, some insurers have recently begun limiting the types of coverage they will offer in certain disaster-prone states or have stopped offering coverage altogether. These kinds of developments can impact your policy decisions, which is why every home insurance shopper should consult our state guides prior to taking out a policy.
Popular Articles
> Getting Cheap House Insurance - No Matter Where You LiveLocation is one of the biggest determinants of house insurance premiums. Homeowners in high-risk areas tend to pay higher premiums, but that does not mean that affordable coverage is impossible in certain areas. In this post, we’ll tell you how to get cheap house insurance regardless of your geographic location.
> Homeowner Insurance Rates by RegionResidents of Gulf Coast states pay higher insurance premiums than nearly anywhere else in the country. The national average for homeowner insurance premiums is $804 annually. Several factors can impact how much insurance premiums cost, most specifically weather. If you live in an area prone to hurricanes, earthquakes, floods, fires or tornadoes, you should be prepared to pay more than other states.
> Moving to a Coastal State: Do I Need Flood Insurance?Many residents of flood-prone areas have no choice when it comes to purchasing flood insurance. But if you don’t live in a 100-year flood plain, you might want to seriously consider adding flood insurance anyway. You should carefully assess whether foregoing flood insurance is the best decision for you and your family.
> Moving to an Earthquake Area: Do I Need Earthquake Insurance?While most people think of California as the state affected by earthquakes, 39 states in fact have been affected by the natural disaster since 1900. Because of this, it’s important to think about earthquake insurance no matter where you live. While it can be costly, the costs of not getting a policy could be too great.
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