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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Driving for Uber of Lyft? You may need to consider rideshare insurance.
![A tree has fallen down into the street between two black cars.](https://www.bankrate.com/2012/11/30153553/after-a-hurricane-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Hurricane season is daunting, but your car insurance can be simple. Start here.
![An old couple walking down the sidewalk with their arms around each other's shoulders.](https://www.bankrate.com/2022/11/06144439/Insurance-Return-of-premium-life-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explains what to know about life insurance with a return of premium rider.
![Young man leaning against car using cell phone](https://www.bankrate.com/2021/09/02102123/car-telematics-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Telematics may save you money on insurance, but there could be some disadvantages.
![A bunch of boxes and personal possessions with an umbrella over them (blue) symbolizing the theme of this article being about coverage for contents.](https://www.bankrate.com/2022/11/29144902/Insurance-What-is-contents-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If you have homeowners insurance, your policy covers more than just the structure of your home. It typically also includes contents insurance, which provides coverage for your belongings if they are damaged [...]
![Man sitting on couch at home looking through window](https://www.bankrate.com/2021/05/11134103/secure-housing-after-incarceration-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Leaving prison can be more of a challenge than many people realize. Finding affordable and stable housing is often one of the biggest challenges facing formerly incarcerated individuals. But securing a [...]
![Mixed race family sitting together with kids in the kitchen.](https://www.bankrate.com/2020/12/15134514/life-insurance-benficiary-dies-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explores what happens when your beneficiary dies before you do.
![A woman crouches, wearing an orange vest and examining the damage to the front of her car while an insurance agent with a clipboard performs an inspection.](https://www.bankrate.com/2020/09/08153946/property-damage-liability-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate investigates what property damage liability is and how it works.
![Expensive cars](https://www.bankrate.com/2021/07/14150501/car-most-expensive-cars-to-insure-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate’s list of the top 5 most expensive cars to insure in 2024.
![Person looking under hood of car while on phone](https://www.bankrate.com/brp/2024/08/13153922/Insurance-Does-Car-Insurance-Cover-Engine-Failure.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Does insurance cover engine failure? Bankrate investigates.
![People looking at car and shaking hands while smiling](https://www.bankrate.com/brp/2022/11/13132020/Insurance_Insuring_A_Leased_Vehicle.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate reviews what you need to know about insuring a leased vehicle.
![Mixed race businessman working late in office](https://www.bankrate.com/2021/09/03123120/car-auto-insurance-coverage-denied-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Can insurance companies deny coverage? Bankrate explores this question.
![Car made out of money](https://www.bankrate.com/brp/2024/08/09143938/image-6.png?auto=webp&optimize=high&crop=1:1&width=356)
Georgia, Indiana and Louisiana have the highest hidden costs of car ownership.
![A Man shows Driver's License and Vehicle License during a Check](https://www.bankrate.com/2021/04/29103526/massachusetts-driving-without-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn what the penalties for driving without insurance in MA are.
![Person shaking hands](https://www.bankrate.com/brp/2024/07/12162106/Insurance_Tips_for_First_Time_Car_Insurance_Buyers.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Buying car insurance for the first time? Follow these auto insurance tips.
![A man drives his family on a trip in their van; everyone is smiling and having a great time!](https://www.bankrate.com/2014/01/28141526/how-much-car-insurance-do-you-really-need-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Find the right car insurance mix. Balance cover, cost and state requirements.
![Couple looking concerned as they review financial documents while in front of an open laptop computer.](https://www.bankrate.com/brp/2023/08/01110412/Insurance_What_to_do_if_Your_Homeowners_Insurance_is_canceled.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Did your home insurance cancel or nonrenew your policy? Here’s what to do now.
![fallen tree on top of a house](https://www.bankrate.com/2021/02/10141338/Homeowners-insurance-tree-damage.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Are trees covered by home insurance? The answer is…sometimes. Bankrate explains.
![Person driving](https://www.bankrate.com/brp/2024/08/13151742/Insurance-Are-telematics-really-saving-you-money-or-costing-you-more.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Privacy concerns may prevent some drivers from adopting telematics programs.
![Person looking at phone](https://www.bankrate.com/brp/2024/07/31125137/Insurance_Insurance_lawsuit_scam_piece.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Wonder why your home insurance costs so much? Legal system abuse may be the answer.
![A consultant helping a customer go through their insurance policy](https://www.bankrate.com/2023/05/15124030/Insurance-How-to-read-a-home-insurance-policy.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Do you understand how to read your home insurance policy? Bankrate can help.
![A lavish property on the coast of a tropical shore.](https://www.bankrate.com/2023/09/29225537/Insurance_Limited-home-insurance-options-in-California-as-major-carriers-pull-back.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate tracks the CA home insurance market as providers limit coverage.
![Person near air conditioner](https://www.bankrate.com/brp/2024/08/09143243/Insurance-Does-Homeowners-Insurance-Cover-AC.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Need air conditioner insurance to protect your HVAC system? Bankrate can help.
![Damaged houses and flooded streets after Hurricane Sandy](https://www.bankrate.com/2023/11/06105117/new-york-flood-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate’s guide to everything you need to know about New York flood insurance.
![Scene of a beach with a woven grass umbrella over a nice beach chair in front of a clear, blue shoreline.](https://www.bankrate.com/2023/03/25154959/Insurance_Term-vs-whole-life-insurance_v2.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Term vs. whole life: Uncover which insurance fits your needs and future best.
![Grandparent and child are having a fun time together on the lakeshore where the child is putting a toy sailboat into the water.](https://www.bankrate.com/2021/09/04121559/Who-needs-life-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discover who needs life insurance the most and if it could be right for you.
![Two people](https://www.bankrate.com/brp/2024/08/06143441/brooks_steuer.png?auto=webp&optimize=high&crop=1:1&width=356)
Learn how life insurance could enhance your financial health and secure your future.
![Insurance consultant consulting with client](https://www.bankrate.com/brp/2024/07/05120242/Insurance_How_Life_Insurance_Payouts_Work.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Life insurance provides peace of mind. But how do payouts work? Bankrate explains.
![Pregnant black parent with black child feeling baby kick](https://www.bankrate.com/2023/04/02094610/Insurance_Life-insurance-while-pregnant.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If finding life insurance is part of your pregnancy preparations, start here.
![A couple reviewing their finances and sitting in front of a laptop](https://www.bankrate.com/2024/01/11150218/Insurance-What-does-life-insurance-cover.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explores what life insurance covers to help you understand your options.
![An Asian father is gardening with his little daughter.](https://www.bankrate.com/2020/11/04105346/short-term-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Is short-term life insurance right for you? Bankrate explains this type of policy.
![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.
The trusted provider of accurate rates and financial information