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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Liability coverage is a necessary component of most auto insurance policies.
![Older Asian man drives his car with his daughter in the passenger seat.](https://www.bankrate.com/2020/09/29163719/standard-auto-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Find out if you qualify for standard auto insurance.
![An adult stands by their car and stares out at a nice scene as the sun sets in the distance.](https://www.bankrate.com/2021/09/01121851/How-to-choose-the-right-cheap-car-insurance-for-your-budget.jpg?auto=webp&optimize=high&crop=1:1&width=356)
How do you find the cheapest car insurance that’s still right for you? Bankrate explains.
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Will your insurance cover it if rats chew on your car wires? Bankrate explains.
![Person reviewing their insurance claims.](https://www.bankrate.com/2023/07/26160507/Insurance-What-is-an-insurance-claim-and-when-should-you-file-one.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Unsure about filing an insurance claim? Bankrate can help you figure it out.
![Image of a car with the perspective viewing down on it with a Texas state limit sign.](https://www.bankrate.com/2022/09/16101637/Insurance-Driving-without-insurance-in-Texas.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Wondering what happens if you drive without insurance in TX? Bankrate explains.
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Do you have to get collateral protection insurance? Here’s what you need to know.
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Discover school zone violations and their impact on your car insurance rates.
![Flooded streets in Houston Texas during Hurricane Harvey](https://www.bankrate.com/2022/05/11164001/When-is-hurricane-season-in-Texas.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn when hurricane season is in Texas and steps to prevent home damage.
![Distressed homeowner looking at their finances.](https://www.bankrate.com/2023/01/25161407/GettyImages-1275685709.png?auto=webp&optimize=high&crop=1:1&width=356)
Dropped by your home insurance and don’t know what to do next? 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.
![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.
![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)
Learn how to borrow from your life insurance and what to consider beforehand.
![A couple going over tax documents with a professional.](https://www.bankrate.com/2022/12/28104944/Insurance_What-is-an-irrevocable-beneficiary_.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn how an irrevocable beneficiary impacts your life insurance decisions.
![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.
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Key man insurance is important for a business. Learn how it works and its benefits.
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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.
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