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Structure, contents, liability

Home insurance

Homeowners policies bundle several different protections into one contract. The parts that matter most tend to be local: wind, hail, wildfire, flood and earthquake are handled very differently depending on the region.

Choose a state

Generally covers

  • 01The structure itself, up to the limits on the policy
  • 02Personal belongings inside the home
  • 03Liability if someone is injured on the property
  • 04Additional living costs while a covered loss is repaired

Worth asking

  • ?Which perils are excluded in your region
  • ?Whether flood or earthquake needs a separate policy
  • ?Replacement cost versus actual cash value
  • ?How the roof is valued and at what age

Providers

Home providers

Carriers, agencies, brokers and marketplaces. Ordering reflects our listing priority, which compensated partners can influence — it is not a ranking of quality.

All providers

Listings are not an independent ranking. Providers marked Partner compensate OpenBrooks, which can affect whether and where they appear. Providers marked Example listing are demonstration records used while the platform is being built — they are not real businesses.

By state

Home insurance, state by state

What is available, and who is licensed to sell it, changes at every state line. 51 jurisdictions.

Northeast

Southeast

Midwest

Southwest

West

Coverage finder

Four questions, then the shortlist

Free, no account, and your answers stay in your browser — there is no name, email or phone field on this form.

What are you looking to insure?

Something else? See all coverage types.

Questions

Home, in short

Does OpenBrooks sell home insurance?
No. OpenBrooks is a discovery platform, not a carrier, agency or broker. We show you providers and you deal with them directly.
Is home coverage the same in every state?
No. Policy forms, required coverages and consumer protections are set at state level, so both the contract and the market differ from state to state. Open your state page for what applies where you are.
What should I compare?
Which perils are excluded in your region; Whether flood or earthquake needs a separate policy; Replacement cost versus actual cash value; How the roof is valued and at what age.