Search form

(Updated March 2016)

"Homeowners insurance covers the structure of your home and your personal property, as well as your personal legal responsibility (or liability) for injuries to others or their property while they're on your property."

Homeowner's insurance policies may include provisions for:

  • Dwelling (for damages to your house)
  • Other structures (for damages to fences, garages, sheds, etc.)
  • Personal property (for damages to possessions)
  • Loss of Use or additional living expenses (for times when your home is being repaired)
  • Personal Liability (coverage for injured on your property or by your pets on your property)

Source: A Consumer's Guide to Home Insurance, 2010.

It is important to note that a standard homeowner's insurance policy does not typically include earthquake damage or flood insurance. (A. Creitz, Information & Web Content Specialist)

Source: 12 Ways to Lower Your Homeowners Insurance Costs, 2009.

E - EBSCO articles available for NAR members only. Password can be found on the EBSCO Access Information page.

Homeowner​'s Insurance: The Basics

What You Don't Know About Insurance Could Hurt You, (Consumer Reports, Aug. 2014). E

"Arising out of" Means What?, (Claims, Nov. 2015). E

15 Things Everyone (Including Renters) Should Know About Homeowner’s Insurance, (Consumerist, Mar. 25, 2014).

Dooley: An Annual Insurance Checkup is Always a Good Idea, (Northwest Herald, Oct. 23, 2013).

Storms Hit Homeowner’s Insurance Coverage, (St. Louis Post-Dispatch, June 2013).

Homeowners Insurance: Are You Over- or Underinsured? (HouseLogic, Aug. 28, 2009).

Homeowners Insurance, (, Aug. 17, 2010).

Homeowner's Insurance: Is Mold Covered?, (HouseLogic, Apr. 15, 2010).

What's Covered by Umbrella Insurance, (HouseLogic, Jan. 29, 2010).

A Consumer's Guide to Home Insurance, (National Association of Insurance Commissioners, 2010). Topic Page: Homeowner Insurance, (HouseLogic, 2010).

Assessing Costs, Coverage, and Risks

There are many factors to consider when calculating homeowner's insurance coverage needs, including the type of provisions that area and are not included in the policy. However, for a quick and basic calculation, check out's Home Insurance Calculator.

Game Plan, (Kiplinger’s Personal Finance, Apr. 2016). E

Why Your Dog Needs Liability Insurance, (USA Today, Mar. 2016).

Confronting Reality, (Property & Casualty 360, Sept. 2015). E

3 Simple Steps, (Kiplinger’s Personal Finance, Mar. 2015). E

After Napa Jolt, Quake-Proofing Your Homeowner’s Insurance, (New York Times, Aug. 29, 2014).

Five Things that Might Raise Your Homeowners Insurance Rate, (Total Mortgage Blog, June 4, 2014).

Trampoline Safety: You Could be Liable for Injuries, (The Legal Examiner, May 27, 2014).

Damage Hurts, Insurance Does Not: Differentiating the Variety of Insurances, (Digital Journal, May 27, 2014).

Who Pays When Fallen Tree Crushes Neighbor’s Fence?, (The Washington Post, May 23, 2014).

Broken Window? Think Twice About a Claim on Home Insurance, (Today Money, Oct. 22, 2013).

Home Owners Finding Gapes in Insurance Coverage, (REALTOR® Magazine, May 15, 2013).

Improve Your Insurance Score, (HouseLogic, Sept. 11, 2009).

12 Ways to Lower Your Homeowners Insurance Costs, (Insurance Information Institute, Mar. 19, 2009).

Homeowner's Insurance Market and Politics

Travelers to Offer Homeowners Insurance Discount for Smart Home Devices, (Insurance Journal, Mar. 2016).

Soaring Insurance Rates Shock Home Owners, (REALTOR® Magazine, Jul. 11, 2013).

Building roof design critical to withstanding wind and hail: Risk managers can limit losses when storms hit, (Business Insurance, July 30, 2012). E

Other Ways the 'Foreclosure Crisis' Could Sting Homeowners, (Wall Street Journal, Oct. 22, 2010).

eBooks & Other Resources

The following eBooks and digital audiobooks are available to NAR members:

Protect Yourself (Adobe eBook)

How to Insure Your Home (Adobe eBook)

Complete Book of Insurance (Adobe eReader)

Books, Videos, Research Reports & More

The resources below are available for loan through Information Services. Up to three books, tapes, CDs and/or DVDs can be borrowed for 30 days from the Library for a nominal fee of $10. Call Information Services at 800-874-6500 for assistance.

Risk Management in the Post 9/11 World, (Chicago, IL: Institute of Real Estate Management, 2004). HV 6431 In7r

Nolo's Essential Guide to Buying Your First Home, (Berkeley, CA: Nolo, 2007). HD 1341 B73

Field Guides & More

These field guides and other resources in the Virtual Library may also be of interest:

Field Guide to Disaster Insurance

Field Guide to Flood Insurance

Information Services Blog

Have an Idea for a New Field Guide?

Click here to send us your suggestions.

The inclusion of links on this field guide does not imply endorsement by the National Association of REALTORS®. NAR makes no representations about whether the content of any external sites which may be linked in this field guide complies with state or federal laws or regulations or with applicable NAR policies. These links are provided for your convenience only and you rely on them at your own risk.