Insurance
Find news and advice on homeowners, renters, auto and life insurance.
Car Insurance
Auto insurance protects your finances from the unexpected. Use our car insurance tools to generate quotes, compare coverage options and find the best insurance company for you. Bankrate’s editorial team curated these top auto insurance picks for your budget.
Homeowners Insurance
If anything happens to your home or belongings, home insurance can protect you financially. Find out how much home insurance you need, how much you’ll pay, and what company is best for you with our online tools.
Life Insurance
Life insurance helps you financially care for your loved ones after you pass away. Bankrate is here to help you compare quotes and find the best life insurance company for you.
Insurance Basics
![Car in California national park](https://www.bankrate.com/2019/03/27140314/Auto-insurance-overview.jpg?auto=webp&optimize=high&crop=16:9&width=320)
What is car insurance?
Car Insurance
Car insurance provides financial security to drivers and is often required to drive.
![Asian single mother with her two children in the kitchen, showing them how to bake a cake.](https://www.bankrate.com/2020/10/02141749/what-is-homeowners-insurance-featured.jpg?auto=webp&optimize=high&crop=16:9&width=320)
What is homeowners insurance and how does it work?
Homeowners Insurance
Bankrate explains homeowners insurance and how it works.
![Family with child enjoying a nice time in the park on a clear day](https://www.bankrate.com/2023/09/12172157/Insurance_Guide_to_life_insurance.jpg?auto=webp&optimize=high&crop=16:9&width=320)
Guide to life insurance
Insurance
Life insurance may seem confusing, but Bankrate’s experts are here to help.
Insurance Reviews
Latest Articles
![Crash 5](https://www.bankrate.com/2021/10/19094009/car-ohio-hit-and-run-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A hit-and-run in Ohio could seriously impact your insurance. Find out how.
![Playful woman giving high-five to dog while sitting at home office](https://www.bankrate.com/brp/2024/06/18175742/how-does-pet-insurance-work.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Pet insurance can help you pay for essential costs of vet care for your pet.
![chinese female executive in car showroom](https://www.bankrate.com/2021/09/03122243/car-do-you-need-insurance-to-buy-a-car-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Do I need insurance to buy a car? Bankrate explores this question.
![Older couple sitting together on a dock over a lake.](https://www.bankrate.com/2020/05/30144723/permanent-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
What is permanent life insurance? Learn how it works and if it’s right for you.
![Senior lady on laptop - negative emotion](https://www.bankrate.com/2021/03/29013847/fr-44-florida-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
An FR-44 may be required for some Florida and Virginia drivers. Bankrate can help.
![When to file a home insurance claim](https://www.bankrate.com/2022/01/21105933/homeowners-insurance-when-to-file-home-insurance-claim-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Deciding when to file a homeowners claim requires weighing various factors.
![A young woman is sitting cross-legged on a couch and reviewing some financial forms.](https://www.bankrate.com/2015/04/19104014/return-partial-payout-from-home-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Do you need to return extra money from a home insurance claim? Bankrate explains.
![Someone sitting at a table in a naturally-lit room with a laptop open in front of them and some papers they are reviewing. There is a graphical element added (solid shapes and colors) to make the image pop.](https://www.bankrate.com/2022/10/16133845/Insurance-What-happens-to-car-insurance-when-the-policyholder-dies.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explores what happens to car insurance when someone dies.
![Crash 5](https://www.bankrate.com/2021/10/19094009/car-ohio-hit-and-run-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A hit-and-run in Ohio could seriously impact your insurance. Find out how.
![chinese female executive in car showroom](https://www.bankrate.com/2021/09/03122243/car-do-you-need-insurance-to-buy-a-car-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Do I need insurance to buy a car? Bankrate explores this question.
![Senior lady on laptop - negative emotion](https://www.bankrate.com/2021/03/29013847/fr-44-florida-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
An FR-44 may be required for some Florida and Virginia drivers. Bankrate can help.
![Someone sitting at a table in a naturally-lit room with a laptop open in front of them and some papers they are reviewing. There is a graphical element added (solid shapes and colors) to make the image pop.](https://www.bankrate.com/2022/10/16133845/Insurance-What-happens-to-car-insurance-when-the-policyholder-dies.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explores what happens to car insurance when someone dies.
![Man using crutches is about to take the car](https://www.bankrate.com/2021/11/11100406/car-pip-insurance-pennsylvania-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Are you familiar with PIP coverage in Pennsylvania? Bankrate can help.
![Richmond Virginia skyline](https://www.bankrate.com/2020/12/18110023/virginia-car-insurance-laws-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
What do Virginia drivers need to know? Bankrate reviews Virginia auto insurance laws.
![People looking at car](https://www.bankrate.com/brp/2024/09/24151937/a-new-federal-bill-would-protect-car-owners-right-to-repair-and-it-could-help-to-slow-rising-insurance-prices.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Could the REPAIR Act help bring down the cost of auto insurance?
![A police officer writing a driver a speeding ticket.](https://www.bankrate.com/2021/07/29155545/Insurance-How-a-speeding-ticket-impacts-your-insurance-in-Arizona.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Find out what you might pay for an Arizona speeding ticket.
![When to file a home insurance claim](https://www.bankrate.com/2022/01/21105933/homeowners-insurance-when-to-file-home-insurance-claim-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Deciding when to file a homeowners claim requires weighing various factors.
![A young woman is sitting cross-legged on a couch and reviewing some financial forms.](https://www.bankrate.com/2015/04/19104014/return-partial-payout-from-home-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Do you need to return extra money from a home insurance claim? Bankrate explains.
![Group of adults talking](https://www.bankrate.com/2020/02/20135028/HOA.png?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explains HOA insurance and why it matters.
![Mid adult man inspecting extractor hood in kitchen showroom](https://www.bankrate.com/2021/05/10135049/recoverable-depreciation-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If you have RCV coverage, you’ll need to know about recoverable depreciation.
![Hurricane Ian Slams Into West Coast Of Florida](https://www.bankrate.com/brp/2024/09/19131937/is-florida-s-homeowners-insurance-market-on-the-road-to-recovery.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Banrkate examines the current and future state of the Florida home insurance market.
![Disabled Senior Man in a Wheelchair Working From Home](https://www.bankrate.com/2019/11/13095907/what-does-renters-insurance-cover-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A renters policy can offer liability coverage, plus insurance for your stuff.
![Neighborhood](https://www.bankrate.com/brp/2024/09/20094726/california-s-sustainable-insurance-strategy-what-the-most-extensive-insurance-overhaul-in-30-years-means-for-homeowners.jpg?auto=webp&optimize=high&crop=1:1&width=356)
California’s home insurance market is about to change. Here’s what to know about it.
![people talking to a man in a suit](https://www.bankrate.com/brp/2023/06/17095131/Insurance_Homeowners_Insurance_Exclusions.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn what’s typically excluded from home insurance.
![Older couple sitting together on a dock over a lake.](https://www.bankrate.com/2020/05/30144723/permanent-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
What is permanent life insurance? Learn how it works and if it’s right for you.
![businessman working in office](https://www.bankrate.com/2021/11/09093535/life-insurance-key-man-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Key man insurance is important for a business. Learn how it works and its benefits.
![Woman in coffeeshop reviewing paperwork](https://www.bankrate.com/2018/12/11160217/Cash-surrender-value-of-insurance-proceeds-may-be-taxed.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Wondering if the life insurance payout you got is taxable? Bankrate can help.
![Consumer investigating unclaimed life insurance from his kitchen](https://www.bankrate.com/2013/05/25085221/how-to-track-unclaimed-life-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn how to track down unclaimed life insurance policies and secure your payout.
![An older couple sits with a young woman who is a financial specialist. She is reviewing their options.](https://www.bankrate.com/2014/10/22103237/life-insurance-ladder-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn how laddering life insurance can be a money-saving strategy.
![An adult son goes over some policy forms with his father while sitting in front of a laptop.](https://www.bankrate.com/2020/11/05093254/can-you-take-a-policy-out-on-anyone-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Can you take out a life insurance policy on anyone? Bankrate explains the rules.
![A woman consulting her health specialist.](https://www.bankrate.com/2020/08/11145643/death-benefits-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn how life insurance death benefits work and the factors that impact payouts.
![close up of hands of a couple signing paperwork](https://www.bankrate.com/2021/11/08124038/Life-insurance-fraud.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The risks and repercussions of life insurance fraud, from forgery to faked deaths.
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