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4HomeownersInsurance is a specialized search engine and resource center for homeowners insurance. We combine multiple indexes, targeted algorithms, and AI to surface relevant policies, guides, provider sites, and comparison tools. Use the site to research coverage types, shop quotes, read in-depth articles, and find timely news about home insurance topics. Part of the 4SEARCH network of topic specific search engines.

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How much homeowners insurance do you need?

A quick estimate from your rebuild cost, your belongings and what a lawsuit could reach. Nothing you type leaves your browser.

Full calculator, every coverage → · Estimate your rebuild cost · How to size dwelling coverage

Look up a home insurer

Contacts, ratings, where they still write and news. The 100 largest, ranked →

Home insurance in your state

The largest insurers, hurricane and wind deductibles, the insurer of last resort and claim deadlines.

Hurricane deductible What 2% of your dwelling limit really costs Rebuild cost The number your dwelling coverage should match Compare insurers Ratings, size and contacts side by side Flood coverage gap What flood insurance covers, and when it starts

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Guides

All 387 guides →

Disasters and what covers them

Now Cottonwood Fire and Floods (2026)Utah Hurricane Isaias (2026)Florida, Alabama, Georgia Oregon Wildfires (2026)Oregon All disasters →

Hurricanes

Your hurricane deductible in dollars →

Floods

Your flood coverage gap →

Wildfire

Wildfire season checklist →

Hail and severe storms

What a roof claim pays →

Earthquakes

Earthquake deductible in dollars →

Freezes and winter storms

Claim checklist →

Free homeowners insurance tools

How much homeowners insurance do I need? Set a target for each coverage in a homeowners policy, from rebuild cost to liability, then compare it with your current limits. Home replacement cost estimator Estimate what it would cost to rebuild your house from the ground up, the number your dwelling coverage should match, using a per-square-foot cost you supply. Hurricane and percentage deductible calculator Turn a hurricane, wind and hail, or earthquake percentage deductible into dollars and see what you and the insurer would each pay on a sample loss. Should I file a homeowners claim? Compare what a claim would pay with the premium increase it might cause, and see when paying a repair yourself costs less than filing. Roof claim payout estimator Estimate what a roof claim pays under replacement cost, actual cash value and roof payment schedule settlements, and what you would pay yourself. Homeowners deductible break-even calculator Compare two all-perils deductibles: the yearly premium saved, the extra cost per claim, and the number of claim-free years before the higher one pays off. Flood insurance coverage gap calculator See how much of your home and belongings a National Flood Insurance Program policy can cover, what is left over, and when a new policy would start. Valuables coverage checker Compare what you own in jewelry, firearms, cash, boats and business property with the special limits in a standard homeowners policy and see what to schedule. Additional living expenses (loss of use) calculator Estimate your monthly extra living costs if a covered loss forces you out of your home, and how many months your loss of use limit would last. Escrow shortage calculator See how a higher homeowners premium raises your mortgage payment twice, once for the new premium and once to repay the escrow shortage. Homeowners coverage gap checker Tick the 16 statements that are true of your homeowners policy and the checker lists the gaps to fix or raise with your agent before renewal. Home inventory builder Build a room-by-room list of belongings and replacement costs, compare the total with your personal property limit, and flag items over the standard limits.

All 28 tools →

The largest home insurers

All 100, ranked →
# Insurer Homeowners premiums (2025) Market share AM Best
1 State FarmNational carriers $35.27 billion 18.67% A+ (Superior)
2 AllstateNational carriers $17.77 billion 9.40% A+ (Superior)
3 USAAAffinity and military insurers $13.26 billion 7.01% —
4 Liberty MutualNational carriers $10.40 billion 5.50% A (Excellent)
5 Farmers InsuranceNational carriers $10.31 billion 5.46% A (Excellent)
6 American Family InsuranceNational carriers $9.72 billion 5.14% A (Excellent)
7 TravelersNational carriers $8.62 billion 4.56% A++ (Superior)
8 ChubbHigh-net-worth insurers $4.71 billion 2.49% A++ (Superior)
9 Auto-Owners InsuranceRegional carriers $4.14 billion 2.19% A+ (Superior)
10 Erie InsuranceRegional carriers $3.71 billion 1.96% A (Excellent)

Ranked by 2025 U.S. homeowners multiple peril direct premiums written (NAIC). Ratings are dated on each profile.

Homeowners insurance by state

Markets and rules in every state →

Term of the day

Desk adjuster A claims adjuster who handles a claim from an office or home by phone, email, photos and estimating software, usually without visiting the property in person.

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Head to head

Guides

AAA home insurance: the clubs behind it AAA home policies come from regional auto clubs, not one national insurer. Learn which club insures you, what membership means, and what to check on the policy. Oct 10, 2026 The additional coverages hiding in your policy The standard HO-3 lists a dozen small coverages after Coverage D, from tree removal to fire department charges. Here is what each pays and where it falls short. Oct 10, 2026 Making an additional living expenses claim How to claim living costs while your home is unlivable: the baseline, the receipts, advances, what adjusters question, and how to ask for more time. Oct 10, 2026 Admitted vs surplus lines home insurers: what you give up Admitted insurers are licensed, file rates and are backed by guaranty funds. Surplus lines carriers take what they decline, usually without those protections. Oct 10, 2026 Insuring an ADU or backyard cottage How a detached or attached accessory dwelling unit fits a homeowners policy, and what changes once family, a long-term tenant or a short-term guest lives in it. Oct 10, 2026 Aerial imagery: how insurers inspect roofs from the sky How insurers use aircraft, satellite and drone images to judge roofs, where they mislead, what states have ruled, and how to contest a nonrenewal based on one. Oct 10, 2026

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