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You care about your home. The NATIONAL ASSOCIATION OF REALTORS® cares about homeownership. To help you become the best, most responsible homeowner you aspire to be, we want to provide you with free information and tools you can use to make smart and timely decisions about your home.

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Homeowner Insurance

For rent sign in home's yard

Renting Out Your Home? Get Landlord Insurance

If you’re renting out your home, it might not be covered by homeowners insurance, so look into landlord insurance instead. Read More

Progress K
Effort Low 4 hrs (research policies)
Investment Med $1,025/yr (avg landlord policy)
Added to Binder
Man working at home-based office

Insurance for Your Home-Based Business

If you think your homeowners policy provides adequate insurance for your home-based business, think again. Read More

Progress K
Effort Low 1 day (research policies)
Investment Low $250-500/yr (business policy)
Added to Binder
Moldy wall covered by homeowner's insurance

Homeowners Insurance: Is Mold Covered?

Whether mold is covered by homeowners insurance often comes down to the source of moisture and the wording of a policy. Read More

Progress K
Effort Low 1-2 hrs (review policy)
Investment Low $500-1,500 (mold rider)
Added to Binder
Emergency crews on the scene of a terrorist attack

Homeowners Insurance: Is Terrorism Covered?

Homeowners insurance typically excludes war and nuclear accidents, but acts of terrorism can fall into a gray area. Read More

Progress K
Effort Low 1 hr (review policy)
Investment Low $822/yr (avg premium)
Added to Binder
Backyard trampoline covered by an umbrella insurance policy

What’s Covered by Umbrella Insurance?

Homeowners can better guard against liability claims by knowing what’s covered by umbrella insurance and what isn’t. Read More

Progress K
Effort Low 2 hrs (purchase a policy)
Investment Low $300/yr ($1 million umbrella)
Added to Binder
Man sitting at desk in home office

Improve Your Insurance Score

Paying all of your bills on time is one good way to improve your insurance score—and, in turn, lower your homeowners insurance premiums. Read More

Progress $ K
Save Money Low $60/yr (premiums)
Effort Low 2 hrs (review reports)
Investment Low $12.95 (insurance score)
Added to Binder
Electrical outlet catching on fire

Homeowners Insurance: Are You Over- or Underinsured?

Paying for more homeowners insurance than you need is a waste of money, but it can prove even more costly to get caught without enough coverage. Read More

Progress $ K
Save Money Low $8-$12 (unneeded rider)
Effort Low 4-5 hrs
Investment Low $7.95 (valuation report)
Added to Binder
States often display typical rates charged by major insurers

Homeowners Insurance: Time for an Annual Check-Up

An annual check-up on your homeowners insurance can result in a healthier policy and a healthier pocketbook. Read More

Progress $ K
Save Money Low $64/yr (high deductible)
Effort Low 1 hr
Investment Low $804/yr (avg premium)
Added to Binder
House on fire

Homeowners Insurance: To Claim or Not to Claim?

The answer to that question will go a long way toward determining whether your homeowners insurance will ultimately cost you more or even get canceled. Read More

Progress K
Effort Low 4 hrs (repair estimates)
Investment Low $804 (avg premium)
Added to Binder
Woman calling to dispute CLUE report

How to Correct Your CLUE Insurance Report

An error in your CLUE insurance report can increase your homeowners insurance premium or even prevent you from getting coverage at all. Read More

Progress $ K
Save Money Low $40 (5% off avg premium)
Effort Low 1-2 hrs
Investment Low $0
Added to Binder
Disaster Insurance 101

Before you invest in disaster insurance:

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Save Money on Insurance

Tips on how to get the lowest rates

Project Money Saved
Cancel Your Private Mortgage Insurance $600-$1,200/yr (cancel PMI)
The Cost of Umbrella Insurance for Homeowners $60/yr (multi-policy discount)
Improve Your Insurance Score $60/yr (premiums)
Homeowners Insurance: Are You Over- or Underinsured? $8-$12 (unneeded rider)
More Insurance Articles