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.