Home insurance rules by state

Home insurance is regulated state by state, so the market you are in, the insurer of last resort, the deductible rules and the claim deadlines all depend on your address. The lookup pulls those facts from the state guides into one table. You can set two states side by side or print every state in a single comparison table.

How to use it

Choose a state and its facts appear, with a link to the full guide beneath. Pick a second state under "Compare with" to read two columns together, which helps if you are moving or weighing a purchase across state lines. The "Show all states in a table" button swaps the result for a table of all 50 states and the District of Columbia: largest insurer group, insurer of last resort, the opening of the hurricane or wind deductible rule, and 2025 premiums. Use the regulator and helpline rows when you need to file a complaint or ask a question about a notice.

How the math works

Nothing is calculated. The rows are 2025 premiums written, largest insurer group, average premium, the FAIR plan or other insurer of last resort, any separate wind or beach plan, hurricane and wind deductible rules, special coverage rules such as sinkhole or earthquake, the state's mitigation program, claim handling deadlines, claim mediation, the deadline to sue an insurer, the regulator, and two phone numbers. A row appears if either chosen state has it, and a dash marks a gap. In the all-states table, the deductible column shows only the opening phrase of the state's line, cut at the first dash, semicolon or parenthesis.

Say, hypothetically, you are weighing a move from Texas to Florida. The deductible row deserves the closest read. Florida sets hurricane deductible options by statute and applies them on a calendar-year basis (Fla. Stat. 627.701), while a Texas wind and hail deductible applies to any windstorm, not only named storms, and coastal owners often buy wind coverage from the state association.

What it assumes

Each row is a field in that state's guide, which gives its sources and review date. Premiums and the largest insurer group come from the NAIC's 2025 market share data for homeowners multiple peril insurance. An average premium, where a guide includes one, carries its own year and source. The NAIC's latest average premium report, published in July 2026, covers 2023 data, so those figures run behind the market. Triple-I counts 19 states and the District of Columbia with hurricane deductibles and warns that state rules change periodically (accessed October 2026). Phone numbers are the ones regulators publish.

Where it stops being right

A blank cell means the guide left the item out because it could not be verified, not that the state has no rule. One-line summaries also compress long statutes. Claim deadlines are a good example, since Florida requires an insurer to pay or deny a residential claim within 60 days of notice, while California sets 40 days to accept or deny after proof of claim, and each carries exceptions for emergencies and for different events. The lookup shows no review date; the state guide does. Laws, programs and deductible triggers change often, particularly after storm seasons and legislative sessions.

Use the lookup to find the right question, then confirm with the regulator. For the details, start with who regulates homeowners insurance?, FAIR plans explained: the insurer of last resort for homes, hurricane and named-storm deductibles explained, how long insurers have to pay a home claim and deadlines to sue over a home insurance claim, or read the Florida and Texas guides. If a nonrenewal notice sent you here, the nonrenewal action plan turns the state facts into a dated checklist.