How much is homeowners insurance?

The national average is roughly $1,500–$2,500/year but varies enormously by state, home age, roof condition, and claims history. Comparing carriers routinely uncovers savings of $300+/year for identical coverage.

Is home insurance required?

Not by law, but virtually every mortgage lender requires it. Even without a mortgage, going uninsured puts your largest asset at risk.

Does homeowners insurance cover flooding?

Standard policies do not cover flood damage — that requires a separate flood policy. An agent can tell you if your ZIP is in a flood zone.

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