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
![Hit and run](https://www.bankrate.com/2023/05/16094517/Insurance_What-to-do-after-a-hit-and-run-in-Michigan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
What are the Michigan hit and run laws? Bankrate explains.
![A homeowner drinking a cup of coffee.](https://www.bankrate.com/2022/10/11094500/Insurance-Is-homeowners-insurance-tax-deductible.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn whether your homeowners insurance premiums are tax deductible.
![Flooded residential area on the Florida coast.](https://www.bankrate.com/2023/09/07171624/florida-remains-a-hot-housing-destination-despite-high-insurance-costs.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Insurance costs are not slowing Florida’s population growth.
![Bumper collision](https://www.bankrate.com/brp/2023/06/22144935/collission-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn about collision auto insurance coverage, how much it costs and if you need it.
![Male and female lawyers discussing over document at conference table in meeting](https://www.bankrate.com/2021/08/11140130/car-tort-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn about full and limited tort car insurance and if you can sue after an accident.
![Pool fun](https://www.bankrate.com/2020/06/05104058/GettyImages-1285490585.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Not all home insurance companies cover swimming pools. Here is what you should know.
![man using using chainsaw to cut tree branch](https://www.bankrate.com/2022/03/09121345/Does-homeowners-insurance-cover-tree-removal.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Find out when home insurance covers tree removal and when it does not.
![car engine electrical wiring harness damage from chewing rodent](https://www.bankrate.com/2021/09/16090950/car-rodents-chewing-wires-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Will your car insurance pay for damage caused by rodents? Bankrate has answers.
![Business people negotiating a contract](https://www.bankrate.com/2021/08/10114118/car-certificate-of-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn what a COI is and when you may need one.
![Upset person driving](https://www.bankrate.com/brp/2024/09/04140457/Insurance-Why-so-many-people-hate-their-car-insurance-company-and-why-you-may-not-have-to.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Paying for your policy isn’t fun. But, knowing more about it can make it bearable.
![an asian chinese mid adult woman working from home at dining table using digital tablet and documents during breakfast time](https://www.bankrate.com/2021/08/16113516/car-12-vs-6-month-car-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Debating a 6 or 12-month car insurance policy? Bankrate explains the difference.
![A black couple sits together in the living room reviewing their policy and if they need to switch.](https://www.bankrate.com/2013/07/18174132/old-insurance-policies-can-be-tossed-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn which insurance records need to be kept and which can head to the shredder.
![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.
![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.
![Woman analyzing documents while sitting at home](https://www.bankrate.com/2021/02/16142633/ho3-vs-ho5-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
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.
![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.
![A woman sit and pensively stares out the window.](https://www.bankrate.com/2020/09/11133347/does-life-insurance-cover-suicide-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Does life insurance cover suicide? Here’s what you need to know.
![An older couple sits down with a consultant to talk about their policy.](https://www.bankrate.com/2013/06/17151940/canceling-your-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn the steps and options available when canceling your life insurance policy.
![shot of roses and flowers on top of coffin](https://www.bankrate.com/2021/07/12113209/Average-cost-funeral.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Uncover funeral costs and the insurance options that can help ease the burden.
![Family playing ball](https://www.bankrate.com/brp/2023/02/20122913/Insurance-Single-Premium-Life-Insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Explore the benefits and drawbacks of single premium life insurance.
![Mixed-race Asian girl and her Asian mother are potting a plant and enjoying the weather outdoors.](https://www.bankrate.com/2020/10/28163009/variable-universal-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discover the benefits and risks of variable universal life insurance policies.
![A black couple sitting together on the couch](https://www.bankrate.com/2021/02/09133227/indexed-universal-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discover the features, benefits and costs of indexed universal life insurance.
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