Homeowners insurance covers the structure and your personal property, as well as your personal legal responsibility (or liability) for injuries to others or their property.

Homeowners insurance policies may include provisions for:

  • Dwelling (for damages to your house)
  • Other structures (for damages to fences, detached garages, sheds, etc.)
  • Personal property (for damages to possessions)
  • Loss of use or additional living expenses (for times when your home is being repaired due to a covered cause of loss)
  • 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 homeowners insurance policy does not typically include earthquake damage or flood insurance.


NAR Library & Archives has already done the research for you. References (formerly Field Guides) offer links to articles, eBooks, websites, statistics, and more to provide a comprehensive overview of perspectives. EBSCO articles (E) are available only to NAR members and require the member's nar.realtor login.

Homeowner​s Insurance: The Basics

What Does Homeowners Insurance Cover? Here’s How a Standard Policy Works (Business Insider, Oct. 6, 2019)

What is a Home Insurance Score? (credit karma, Aug. 13, 2019)

What to Know About Homeowners Insurance (REALTOR® Magazine)

What is Covered by Standard Homeowners Insurance?: Understanding the Four Essential Protections Provided by Your Homeowners Policy (Insurance Information Institute)

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 realtor.com's Home Insurance Calculator.

How Coronavirus May Affect Home and Renter Insurance (Forbes, Mar. 28, 2020)

Breaking Down Homeowners Liability Insurance Coverage for Coronoavirus-Related Claims (Biz Journals, Apr. 14, 2020)

New Report from Insurance.com Names the Most and Least Costly Zip Codes for Home Insurance (PR Newswire, Apr. 6, 2020) E

A Few Ways to Save Money on Your Homeowners Insurance (Washington Post, Mar. 5, 2020) E

Home Insurance Rates are Up Thanks to Natural Disasters; Here’s Where They Jumped Most (Forbes, Nov. 6, 2019)

Inadequate Home Insurance Could Devalue Entire Regions (REALTOR® Magazine, May 6, 2019)

“’Matching Regulations’ Affecting Homeowners’ Insurance Claims: Viewpoint (Claims Journal, Apr. 4, 2019)

How Much Home Insurance Do I Need? What Every Homeowner Should Know About their Coverage (realtor.com®, Mar. 22, 2019)

Homeowners’ Financial Protection Against Natural Disasters (The Federal Reserve Bank of Chicago, 2019)

The 7 Most Common Home Insurance Claims That Make Premiums Spike—And How to Avoid Them (realtor.com®, Oct. 3, 2018)

All Hazards Homeowners Insurance: Challenges and Opportunities (Risk Management & Insurance Review, Mar. 2018)

How to Lower Homeowners Insurance Costs (REALTOR® Magazine)

eBooks & Other Resources


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

Protect Yourself (eBook)

How to Insure Your Home (eBook)

Complete Book of Insurance (eBook)

Books, Videos, Research Reports & More

The resources below are available for loan through the NAR Library & Archives. 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 the Library & Archives 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

Have an idea for a real estate topic? Send us your suggestions.

The inclusion of links on this page 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 page 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.