Homeowners insurance requirements by state

No states have laws mandating homeowners insurance, but, if you finance your home, your lender will typically require a home insurance policy. The standard coverages for homeowners insurance are generally the same in all states.

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Find your state below for more details on home insurance requirements, Progressive information, and more.

Homeowners insurance rates by state

Homeowners insurance rates vary based on many factors including your coverage limits, the location of your home, type of materials used to build your home, roofing material, and any previous claims history. In some states, home insurers may also consider an "insurance score," which based in part on your credit score but may also take your claims history into account.

Learn more about average homeowners insurance cost by state and available homeowners insurance discounts.

Homeowners insurance for rental or vacation property

Do you own a property that you rent out to tenants or use as a vacation home in another state?. Learn more about landlord insurance policies and insurance for vacation and rental homes.

Looking for more information about homeowners insurance? Our home insurance tips and resources have you covered.

How to get homeowners insurance in your state


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