Home insurance

See who still insures homes in your state

Home insurance availability varies wildly by state. Some states have a full-blown crisis. Pick your state and we will show you who operates there, what they typically charge, and link you directly to them.

Why home insurance varies so much by state

Home insurance is priced almost entirely around risk — and risk varies dramatically by geography. A home in the Texas panhandle faces tornado risk. A home in coastal Florida faces hurricane and flood risk. A home in the California foothills faces wildfire risk. Insurers price these risks differently, and in some cases they have decided the risk is too high to write policies at all. That is why the same house in two different states can have premiums that differ by 300% or more.

What moves your rate up

↑Location in a high wildfire, hurricane, or flood zone — the single biggest pricing factor

↑Older roof — roofs over 20 years old can increase premiums significantly or trigger denial

↑Previous claims — even one water damage or theft claim can raise your rate 20–40%

↑Older home construction — homes built before 1980 often have outdated wiring or plumbing that raises risk

↑Swimming pool or trampoline — liability risk that most insurers charge extra for

↑No security system — basic monitored alarm systems can qualify for 5–15% discount if absent you pay more

What moves your rate down

↓New roof — a roof replaced in the last 5 years is one of the strongest discounts available

↓Bundling home and auto with the same insurer — typically saves 10–25%

↓Higher deductible — moving from $1,000 to $2,500 can reduce your premium 10–20%

↓Monitored security system — most insurers offer 5–15% discount

↓Claims-free history — 5+ years without a claim qualifies for loyalty discounts at most carriers

↓Impact-resistant roof materials — in hail-prone states this can cut your premium significantly

California and Florida — what is actually happening

California has seen State Farm, Allstate, Farmers, and dozens of smaller carriers stop writing new home policies since 2023. The combination of catastrophic wildfire losses, rising reinsurance costs, and California regulations that limit how quickly insurers can raise rates made the math impossible for them. The state FAIR Plan — originally designed as a last resort — has become the primary option for hundreds of thousands of homeowners.

Florida faces a different but equally severe crisis driven by hurricane exposure and an explosion in litigation costs. Citizens Property Insurance, the state-backed carrier, now insures more homes than any private insurer in Florida — which is exactly backwards from how a healthy insurance market should work.

If you are in either state, the most important thing you can do is not let your current policy lapse. Switching carriers in a crisis market is far harder than renewing what you have.

What to watch for when you click through

Home insurance quotes require more information than car quotes — expect questions about your roof age, construction type, square footage, and claims history. Have that information ready before you start. As with car insurance, use a temporary email address if you want to get the quote number without committing to their marketing list.