Homeowners Insurance Requirements by State (2024)

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

Homeowners Insurance Requirements by State (2)

Online

Compare and customize your coverages and limits when you quote online.

Quote homeowners insurance online

Homeowners Insurance Requirements by State (3)

Call a rep

Talk to a licensed representative who can help you quote home insurance.

Call 1-866-749-7436

Homeowners Insurance Requirements by State (4)

Through an agent

Connect with a licensed independent agent in your neighborhood.

Find an agent online

Homeowners Insurance Requirements by State (5)

Quote homeowners insurance online or call for advice

  • Or, call 1-866-749-7436
Homeowners Insurance Requirements by State (2024)
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