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
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Learn about CLUE reports, how they work and why they’re important when buying home or auto insurance. Get tips on how to get a copy and use the information.
![An Asian financial advisor goes over some things with a client.](https://www.bankrate.com/2011/01/04120902/selling-your-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Selling your life insurance policy can be tempting, but there is much to consider.
![An older black man sits at his table with his phone and a list of finance reports to review.](https://www.bankrate.com/2020/07/24103848/universal-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Flexible life insurance with lasting benefits – explore universal life insurance.
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Reddit is full of insurance advice — but not all of it is helpful.
![Driver sitting in their car with the window down, reviewing documents. The car is not in motion.](https://www.bankrate.com/2021/10/02094529/What-is-a-car-insurance-policy-number.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Everything you need to know about your car insurance policy number.
![Black woman sits on passenger side of car with her face and arm out the window, enjoying the breeze.](https://www.bankrate.com/2020/08/28142703/fr44-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn everything you need to know about an FR-44 with Bankrate’s guide.
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Learn how to get temporary car insurance in New York and how much it costs.
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Is a citation a ticket? Bankrate explores what these two terms mean.
![A woman in her living room holding a tablet in one hand and a piece of paper in the other. She is checking her home finances online.](https://www.bankrate.com/2020/02/22152811/clue-reports-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn about CLUE reports, how they work and why they’re important when buying home or auto insurance. Get tips on how to get a copy and use the information.
![Person on computer](https://www.bankrate.com/brp/2024/09/03133225/Insurance-Im-a-licensed-insurance-agent-who-looked-at-insurance-advice-on-Reddit-Heres-what-I-found.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Reddit is full of insurance advice — but not all of it is helpful.
![Driver sitting in their car with the window down, reviewing documents. The car is not in motion.](https://www.bankrate.com/2021/10/02094529/What-is-a-car-insurance-policy-number.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Everything you need to know about your car insurance policy number.
![Black woman sits on passenger side of car with her face and arm out the window, enjoying the breeze.](https://www.bankrate.com/2020/08/28142703/fr44-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn everything you need to know about an FR-44 with Bankrate’s guide.
![Young couple sitting in car, woman holding smartphone, pointing directions, rear view](https://www.bankrate.com/2021/12/10142932/car-temporary-car-insurance-new-york-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn how to get temporary car insurance in New York and how much it costs.
![woman stopped by police](https://www.bankrate.com/2023/04/01153756/Untitled-121.png?auto=webp&optimize=high&crop=1:1&width=356)
Is a citation a ticket? Bankrate explores what these two terms mean.
![A woman stands outside of her smart car and activates it using her smartphone.](https://www.bankrate.com/2020/07/14171048/smart-car-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Wondering what it costs to insure a smart car? Bankrate can help.
![Using calculator and laptop in kitchen](https://www.bankrate.com/2021/06/16161445/outreach-cancelling-drivers-license-after-death-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate reviews what you need to do to cancel a driver’s license after a death.
![A woman in her living room holding a tablet in one hand and a piece of paper in the other. She is checking her home finances online.](https://www.bankrate.com/2020/02/22152811/clue-reports-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn about CLUE reports, how they work and why they’re important when buying home or auto insurance. Get tips on how to get a copy and use the information.
![Person voting](https://www.bankrate.com/brp/2024/08/30115342/Insurance_How_could_this_years_election_cycle_affect_your_insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Your state’s elections could impact the cost of auto and home insurance.
![mother and daughter grilling in backyard of home](https://www.bankrate.com/2020/04/30154747/Declaration-Page-800-450.png?auto=webp&optimize=high&crop=1:1&width=356)
The declarations page is a summary of your home insurance policy.
![Person reviewing their taxes and/or financial documentation](https://www.bankrate.com/2023/07/13132543/Insurance_What_is_a_Moratorium.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Did your homeowners insurance company issue a moratorium? Here’s what it means.
![A close-up of a house near the roof where there is damage done by termites. There is a graphical overlay with solid colors.](https://www.bankrate.com/2022/11/05135629/Insurance_Does_homeowners_insurance_cover_termites.jpg?auto=webp&optimize=high&crop=1:1&width=356)
When does homeowners insurance cover termite damage? Bankrate has answers.
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HO-3 vs. HO-5 home insurance — what you need to know to select the right policy.
![Hispanic family enjoying a nice dinner out on the porch.](https://www.bankrate.com/2020/10/08194350/ho5-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
HO-5 insurance provides some of the broadest protection for your home.
![Child going through an old box of jewelry.](https://www.bankrate.com/2023/01/21134033/Insurance_Does-homeowners-insurance-cover-jewelry_.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Understand how your homeowners insurance covers jewelry and learn how to increase coverage to prevent financial loss from theft or damage.
![Some people wearing facemasks are on a laptop trying to figure out what to do with their life insurance policy.](https://www.bankrate.com/2020/09/11105003/cash-surrender-value-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
What is the cash surrender value of life insurance and how is this value calculated?
![Black adult reviewing tax forms at their desk with an open laptop nearby.](https://www.bankrate.com/2021/11/21102634/Borrowing-against-your-life-insurance-policy.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Permanent life insurance policies may allow borrowing against a cash value.
![Senior woman using laptop computer at home](https://www.bankrate.com/2021/12/03120023/life-insurance-straight-life-policy-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
What is a straight life insurance policy and is it right for your financial goals?
![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)
Bankrate explains when you can take a life insurance policy out on someone else.
![Two older ladies pose for a picture next to their golden retriever.](https://www.bankrate.com/2015/05/25155504/myths-about-buying-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
These life insurance myths may surprise you.
![Loving Asian elderly cheerful couple using laptop computer in bed.](https://www.bankrate.com/2015/05/08161908/life-insurance-medical-exam-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
You may need to complete a medical exam to purchase life insurance coverage.
![Mixed-race family playing with toy dinosaurs with their child.](https://www.bankrate.com/2022/09/06134738/Insurance_Supplemental-life-insurance_.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Supplemental life insurance may help secure your loved ones’ financial future.
![A car flipped over in the middle of the road next to an ambulance and firetruck.](https://www.bankrate.com/2020/06/09165127/add-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn what accidental death & dismemberment (AD&D) insurance is and how it works.
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