homeworkers insurance

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Extra protection for you and your work.

To help you thrive, our homeworker extension means that whatever work activities you undertake from your home you can rest assured you're covered.

Insurance overview

Running a home-based business has many benefits: flexibility, increased productivity and potential cost savings too, to name just a few.

If you have your contents covered as part of your Home and Lifestyle or NFU Mutual Bespoke Home Insurance policy we have options that could suit your operation - whether your from-home business is run full-time, part-time or as a hobby. 

What's covered:

• Damage to business contents while at your home: up to £20,000.
• Your legal liability in connection with your homeworker business for injuries to others or damage to their property - Home and Lifestyle: from £2.5 million. NFU Mutual Bespoke Home Insurance: from £10 million.
• Your legal liability in connection with your homeworker business, as an employer for injury to employees or damage to their property: up to £10 million.
• Damage to stock: up to £2,500.
• Increased cost of running your business following damage: up to 12 months and a maximum of £10,000.
• Money used in connection with your business in your home: up to £500.
• Money used in connection with your business in a locked safe at your home or in transit to and from a bank: up to £1,000.
• Business legal costs to provide you with advice and help with the cost of legal representation - Home and Lifestyle: up to £50,000. NFU Mutual Bespoke Home Insurance: up to £100,000.
• Replacement of locks or lock mechanisms for outside doors, safes, strong rooms and intruder alarm systems at the business address if keys are lost or stolen: up to £1,000.
• Book debts, money owed by customers, including the costs of tracing them, following damage to business records: up to £25,000.
• Reinstating business books, documents and computer records: up to £2,500.

What's not covered:

• Any excess, which is the amount you’ll need to pay towards a claim, other than for Personal Accident. Your policy documents will outline where these apply.
• Damage or loss caused by lack of general maintenance, wear and tear, and loss of value over time.
• Any costs of replacing, repairing or restoring your items above the amount you’ve insured them for.
• Damage caused by theft or attempted theft by you, your family or any employee, tenant or guest.
• Theft of money from any unattended vehicle.
• Increased cost of working due to failure of main services resulting from an industrial dispute, a deliberate act or lasting less than 30 minutes.
• Reinstating records due to loss arising from a computer virus or for computer system records unless records are backed up on a weekly basis.

The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. You can find further information in the Important Documents section.

Why choose us?

Mutual bonus.

We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

Spread the cost

We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

We don't charge an administration fee when you make adjustments to or if you cancel your policy.

Your home is more than just a building. That's why our Home Insurance provides protection tailored to your needs. Helping you to cover the things that really matter.

Other extensions and add-ons

Caravan insurance.

When you're exploring new places with your caravan, you want proper protection. Talk to us about cover than won't keep you tied down. 

Dog and Cat Insurance

They're an important part of the family, so we offer cover to home contents insurance policyholders to help care for your dog or cat.

Home Emergency Cover

Cover in the event of a sudden and unexpected domestic emergency. Home Emergency Cover offers added protection for when the unexpected happen.

Personal Belongings Insurance

Extend your contents insurance to cover the items that you take outside of your home, with up to 90 days cover anywhere in the world.

Smallholder Insurance

Providing cover to help your smallholding grow. Smallholder Insurance can be simply added to a home contents insurance policy.

Travel Insurance

Protection for our home contents insurance policyholders when taking a trip, covering important things like medical expenses and loss of money.

Important documents

Home and lifestyle homeworker insurance product information document, home and lifestyle insurance reference booklet, nfu mutual bespoke homeworker insurance product information document, nfu mutual bespoke home insurance policy document, what's next, take out a new policy.

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Get a new quotation, make changes to, discuss your renewal or cancel your Home Insurance policy.

Notify us of a new home insurance claim or speak to us about a claim that is in progress.

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• Small business insurance

Working from home and homeworker insurance

Specialist cover for professionals based at home from £5 a month*

Fast, easy online quote in 90 seconds

Interest free direct debit

No hidden fees or cancellation charges

Working from home carries many unique risks, so if you’re a homeworker, it’s vital you are properly insured.

As a specialist insurer with over 30 years’ experience insuring professionals, we have designed our homeworker insurance policies to cover the risks facing home-based professionals.

Unlike many insurers that offer a ‘one size fits all’ policy for both homeworkers and office-based businesses, we offer separate, specialist homeworker policies that can be tailored to the specific risks facing your home business.

If you are unsure which types of protection your business needs, we can help you tailor your homeworker insurance. Our simple quote system allows you to choose the cover you want at a premium you can afford.

Do I need specialist ‘working from home' insurance?

While specialist home working insurance isn’t a legal necessity, if you run a business from home, it’s a good idea to have this kind of protection in place.

Home workers face a variety of risks. Without the right insurance, a mistake in a piece of work, damage you cause to a client’s property or the theft of a laptop could cost your business thousands of pounds.

How does working from home affect home insurance?

Home insurance doesn’t usually cover people when they work from home. Instead, home insurance usually covers:

• damage to the structure of your building from fires, storms and floods
• theft of contents, such as furniture, clothing and electronics
• fire or water damage to your belongings, such as furniture, clothing and electronics
• vandalism of contents, such as furniture, clothing and electronics

Unfortunately, home insurance is unlikely to offer home workers the specialist protection they need. If you work from home, you may want to consider taking out personal possessions cover as part of your home insurance to protect you against the loss, damage or theft of items you may take out and about for work. Personal possessions insurance can cover a variety of items, including:

• musical instruments
• sports equipment

In addition, if you run a business, you’ll need to make sure you have the right business insurance in place. For example, if you employ workers, you’ll need employers’ liability insurance . If you deal with members of the public, you should consider taking out public liability insurance , and if you give advice or offer a professional service in the course of your work, you’ll require professional indemnity insurance .

Why choose Markel for working from home insurance?

At Markel, we understand the unique risks that homeworkers face and are well placed to provide insurance products that fit their requirements. With over three decades of experience offering sector-specific advice to freelancers, contractors, SMEs, charities and community groups, you can rely on us to give you the cover you need.

If you’re looking for work from home insurance, we can help. Here are some of the reasons you should consider taking out a policy with us:

✔ Policies from £5 a month

We believe that we can offer affordable work from home insurance which will help you to get the cover you need whilst trying to keep your expenses to a minimum.

✔ Quotes in under two minutes

It only takes 90 seconds to get a quote with Markel. All you have to do is fill out a simple online form and we’ll do the rest.

✔ Customer recommended

We insure more than 200,000 micro businesses and have excellent customer experience reviews on Feefo.com .

✔ Reliable cover

We are a division of Markel International, a Lloyd’s and London market insurer that wrote £1.09 billion of gross premium totals in 2020.

✔ Round-the-clock legal advice

With Markel, there’s no need to wait to get your questions answered. If you take out a policy with us, you’ll get access to a 24/7 legal helpline staffed by qualified solicitors.

*The £5 a month premium referenced above is based on a public liability insurance policy with a £1m level of cover.

What insurance do I need to work from home?

Whether you’re a freelance photographer or you run a tutoring business, if you work from home, there are a variety of insurance products you may need. As a starting point, you should consider public liability, professional indemnity, employers’ liability and business equipment insurance.

Do I need public liability insurance to work from home?

If members of the public visit your home for business purposes, then you should have public liability insurance in place. Public liability safeguards your business against compensation claims, and the associated legal costs, if a third party becomes injured or their property is damaged due to your work.

For example, if a customer visits your business to collect an order and slips on a wet floor, you could be held liable for compensation. Similarly, if a dressmaker ripped a client’s wedding dress while making alterations, they could be responsible for paying damages.

Do I need insurance for employees working from home?

If you employ workers, you are legally obliged to have employers’ liability in place - whether they work from home or not. You must take out this cover as soon as you become an employer and your policy must cover you for at least £5 million. Employers’ liability is there to protect you should an employee sustain an injury or develop an illness because of the work they do for you. There are however situations in which this cover isn’t necessary. For example, if you only employ a family member or someone who is based abroad, you may be exempt.

Do I need business equipment insurance working from home?

Business equipment insurance is designed to cover against the loss, theft and accidental damage of necessary equipment, such as laptops, tablets and smartphones. If you use any such equipment while working from home, you should consider taking out this type of insurance.

Do I need professional indemnity insurance working from home?

Professional indemnity insurance can protect you if you’ve made a mistake, provided poor advice or acted negligently and it has resulted in financial loss or reputational damage for your client. If you provide advice, offer a professional service, handle client data or are responsible for intellectual property, you should consider taking out professional indemnity insurance - whether you work from home or not.

For example, if a freelance copywriter is accused of plagiarism or a counsellor was found to give incorrect advice or guidance, legal action could be taken against them. In these cases, PI insurance could cover the cost of compensation awarded to the clients, as well as any legal costs.

How much working from home cover should I have?

There’s no one-size-fits-all solution when it comes to working from home cover. What may suit one individual may not necessarily suit another.

Exactly how much cover you will need depends on a variety of factors, including:

• the size of your business
• the nature of your business
• how many visitors you have to your property
• how often you have visitors to your property
• the amount of equipment you have

To discuss your specific requirements, get in touch with our customer service team or get a quote in just 90 seconds.

*£5 a month price is based on a marketing consultant requiring £1 million of public liability insurance.

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Policy Documents

Summary of cover

Policy wording

Cover starting at £5 a month

Tailor your homeworker insurance with these specialist covers, professional indemnity insurance.

Professional indemnity insurance  covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and any compensation or damages subsequently awarded against you. This is vital protection for all homeworkers and insurance cover is available with limits ranging from £50,000 to £5m.

Public and product liability insurance

Public and product liability insurance  covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. This is an important cover if you regularly deal with clients or members of the public. Limits range from £1m to £5m.

Employer’s liability insurance

Employer’s liability insurance  is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. Regardless of the industry you work in, if your business employs staff, you need this cover. Cover for £10m.

Legal expenses insurance

Legal expenses insurance pays your legal costs and expenses for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. There is a limit of £100,000.

If a client takes legal action against you because of an error you have made, this cover can prevent you from needing to use your own finances to cover legal expenses.

Directors and officers insurance

Directors and officers insurance  covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.

Office insurance

Home  office insurance  covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.

Occupational personal accident insurance

Occupational personal accident insurance  provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14-day deferment period). And in the event of loss of limbs, sight, speech, hearing, permanent total disablement, or death, it will pay out a lump sum to ease the financial burden.

If you would struggle to maintain an income if you were unable to work following the accident, you should consider having occupational personal accident insurance to help ease the financial burden. Limits from £100/week to £500/week for temporary total disablement (£25k lump sum to £100k lump sum for permanent total disablement).

Cyber and data risks insurance

Cyber and data risks insurance  pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients and their projects on computers and other internet connected devices, you should consider to this cover.

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Frequently asked questions

Does my home insurance cover my garden office.

If you use a garden office for recreational use, your home insurance package should provide the cover you need. However, if you use it for business purposes, you may require commercial cover in the form of homeworker’s insurance.

Do I need business insurance if working from home?

Yes, regardless of whether you work from home or not, if you work as a contractor, freelancer or if you run an SME, charity or community group, you should have the appropriate insurance in place.

For example, you may require employers’ liability insurance if you have employees, public liability insurance if you come into contact with members of the public or professional indemnity insurance if you provide advice or a professional service.

At Markel, we can create a home worker’s insurance package that is tailored to your specific needs and covers the risks you face.

Does working from home affect my car insurance?

If you use your own car in the course of your business activities, you might need to amend your car insurance to cover the miles you travel on top of non-work driving.

Your current policy may only cover social, domestic and pleasure (SDP) use, also known as ‘social only’ use. This covers things like going shopping, visiting family and friends and going on days out. You may also have cover for social, domestic and pleasure including commuting (SDP+C) use.

Some comprehensive policies cover business use as standard but you should check your policy. If you drive for business reasons, for example to deliver an order to a customer or to go to a client meeting, and you don’t have suitable cover in place, you’re breaking the law and risk being fined and getting points on your licence. You could even be disqualified from driving.

Do I have to tell my insurer I work from home?

It’s important that your home insurer has as full a picture as possible of your circumstances so it’s a good idea to tell your insurer if you work from home, even if it is just on a part-time or occasional basis. You must tell your insurer if any of the following apply:

• You’ve moved a business to your home or are planning to
• You make, sell or store goods at your home
• Members of the public visit your home for business reasons
• You’ve adapted your home for business purposes
• You’ve purchased equipment that belongs to your business

Does home insurance cost more if you run a business from home?

If you run a business from home, your insurer will need to take this into consideration when calculating the cost of your premium. You may find that your premium increases, especially if you have regular visitors to your property for business purposes or you store valuable goods or hazardous equipment for work at your home.

What’s considered ‘business use’?

Business use is usually defined as any activity performed in a repeated or continued way for financial gain.

How is Markel regulated?

Markel is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (FCA registered number 202570). You can find out more on the Financial Services Register .

Specialist services available to Markel policyholders

Our policyholders receive access to these unique services designed to make your life easier (included as standard with certain covers).

24 hour legal advice helpline

When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly when you're working for yourself and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety, employment law, legal structures for your business or how to handle a difficult client, an experienced team of solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.

 Markel Business Hub access

In addition to our 24 hour legal helpline, you'll have access to the Markel Business Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use for your business - without paying any expensive legal fees. Included as standard with all policies.

Fee dispute service

Customers don't always pay on time and chasing fees or invoices costs time and money. Mindful of the impact this has on your business, we offer our policyholders access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with professional indemnity insurance.

Discounted IR35 contract reviews

Falling within IR35 legislation - which determines that an individual is avoiding tax by using a limited company to disguise employment - is a huge concern for contractors and consultants, with the fees and penalties due to HMRC eye-wateringly high. Our policyholders receive an exclusive discount on IR35 contract reviews from Markel Tax (a Markel company), who have over 20 years experience advising individuals and businesses on their tax status. As part of the service, Markel Tax will review your contract, along with your working practices, to determine whether or not you are operating outside of IR35, and you'll receive a written report with suggested contract amendments where appropriate. Policyholders can access this service by calling 0345 223 2727 or emailing [email protected] , quoting 'MKLD' and your policy number.

Public relations crisis management service

In today's 24 hour news culture, public relations disasters can occur at any time. Having to deal with the press whilst managing a difficult situation can be hugely stressful as well as being a potential minefield. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.

Cyber response helpline

If you're the victim of a targeted cyber attack, our cyber response helpline provides access to specialist solicitors and information security experts who will give expert legal and technical IT security guidance on the issues arising from cyber and data protection risks. Included as standard with cyber and data risks insurance.

Related articles

What is professional indemnity insurance?

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Why homeworkers need business insurance

5 tips to protect customer data for home based professionals

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Homeowners insurance offers financial protection for some of your most valuable assets, including your home and your belongings. However, shopping for home insurance is often treated as an afterthought instead of an important decision in its own right. That can leave homeowners vulnerable to financial ruin should disaster strike.

This guide will help you understand what you need to know when shopping for home insurance so you can make the best choice for your needs.

What does homeowners insurance cover?

Standard home insurance policies typically include six types of coverage:

Dwelling coverage is the main coverage offered by home insurance. It covers the structure of your home, such as the walls, floors and roof, as well as built-in appliances and attached structures like a garage, porch or deck. If your home is damaged for a reason covered by your policy, you’ll pay your deductible and the insurer will pay the rest, up to your dwelling coverage limit.

Personal property coverage covers the contents of your home if they’re stolen, damaged or destroyed due to a covered event. This can include furniture, clothing and electronics, among other things.

Other structures coverage insures the structures on your property that aren’t attached to your house, like a fence, gazebo or detached garage. The policy limit for other structures coverage is normally 10% of your dwelling coverage limit.

Loss of use coverage pays for additional living expenses, up to your limit, if you’re unable to live in your home due to a covered event, like a fire or tornado. These expenses can include hotel bills, groceries and laundry costs.

Personal liability coverage kicks in if you’re held legally responsible for causing bodily injury or property damage to someone else. For example, if your dog bites someone while you’re out hiking, liability coverage can help pay for legal expenses, medical bills and other damages, up to your coverage limit.

Medical payments coverage covers medical expenses for guests who are injured on your property, regardless of who’s at fault. It can help pay for medical bills, ambulance fees and other related expenses.

We encourage you to shop for home insurance once a year to make sure you're getting the best coverage and price. By pulling at least three comparable quotes as part of the shopping process, you can be confident you're getting the best deal available on the coverage you need.

How to shop for homeowners insurance

1. decide how much coverage you need.

Your first step in shopping for home insurance is to figure out how much of it you need. If you don’t buy enough coverage, you run the risk of being underinsured, which means you won’t receive enough money from your insurance company to rebuild after a total loss.

At a minimum, you’ll want enough coverage to fully rebuild your home, an amount known as replacement cost coverage . The replacement cost of your home will reflect the size of your house, its features, and the cost of building in your area. Your insurance company should be able to help you determine this amount.

If you’re worried about inflation or rising building costs, you may want to consider extended replacement cost coverage . This pays an additional percentage over your dwelling coverage limit, usually 10% to 50%. Some insurers also offer what’s known as guaranteed replacement cost coverage , which will cover the full cost of rebuilding your home after a covered loss, no matter how high.

You should also consider how much personal property coverage you need. This coverage usually pays 50% to 70% of your dwelling coverage limit. Make a home inventory to get a sense for whether this amount is enough.

Note that many home insurance policies cover personal property on an “ actual cash value ” basis, which means you’ll receive enough money to cover the value of your lost property at the time of the loss. You typically won’t receive enough to buy brand-new replacements. To avoid this, look into upgrading to replacement cost coverage for your belongings.

Finally, make sure you have enough personal liability coverage to protect your assets should you be held responsible for others’ injuries or property damage.

For more details, read How Much Home Insurance Do You Need?

2. Evaluate add-ons and endorsements

Add-ons and endorsements can provide coverage beyond what's included in a standard home insurance policy. They’re often designed to fill gaps in coverage for specific types of damage or losses.

You may want to consider these common add-ons:

Scheduled personal property provides extra coverage for high-value items like jewelry, art and electronics that may exceed your standard policy limits.

Sewer or water backup coverage is for damage caused by water backing up into your home through pipes or drains, or because of a sump pump failure.

Equipment breakdown coverage is for sudden and accidental breakdowns of HVAC systems and large appliances. This coverage applies when, for example, the compressor stops working in your fridge.

Home business endorsements provide extra coverage for home-based businesses beyond what your standard home insurance policy may include.

3. Consider insurance for flooding and earthquakes

Most home insurance policies won’t cover damage from floods or earthquakes. You'll need to purchase separate policies to handle these risks.

Flood insurance covers damage caused by flooding. This includes scenarios such as a river or lake that overflows its banks, a storm surge from a hurricane, a heavy downpour that accumulates faster than it can drain or flooding caused by snowmelt.

Flood insurance is available through the National Flood Insurance Program (NFIP) and private insurers.

» MORE: Why you might need flood insurance — even if it’s not required

Earthquake insurance is for damage caused by earthquakes and other earth movement. In California, home insurance companies are required to sell earthquake insurance. In many states, you have the option to buy a standalone earthquake insurance policy or add extra coverage as an endorsement. If you have difficulty finding earthquake insurance in your state, you may need to contact an independent insurance agent.

4. Get quotes from at least three companies

By this point in the process, you should know how much home insurance coverage you need and which endorsements you want. Now it’s time to gather quotes from multiple companies.

You can get quotes online, by calling companies directly or by working with an independent insurance agent who shops around on your behalf. You’ll typically need to have this information on hand to get a quote:

Your insurance history, including past claims, the name of your most recent insurer and your last date of coverage.

Personal information for anyone living in your house.

Type of residency (primary home, secondary, etc.).

Whether you conduct any business on your property.

The square footage of your home.

The year your home was built.

The type of construction (wood, brick, etc.).

Any recent home renovations.

The number of stories, bedrooms, bathrooms and detached structures.

Any security features, such as a burglar alarm, smoke detectors or deadbolts.

When you get quotes, you’ll typically have the option to choose your home insurance deductible , which is the amount of a claim you’re responsible for paying before your insurance kicks in. Raising your deductible from $1,000 to $2,500 could save you an average of 11% on your home insurance premium, according to NerdWallet’s rate analysis. However, before you choose a higher deductible, make sure that you can cover that amount should you have to file a claim.

Your home insurance policy may have special deductibles for damage from hurricanes , windstorms or other events. These deductibles are often a percentage of your dwelling coverage and may be significantly higher than your main deductible. Read your policy carefully to ensure you understand when these deductibles may apply.

When you get quotes, make sure you're comparing similar coverage limits and deductibles. You might not get the same coverage limits or deductible options with every company, but try to match them as closely as you can to ensure you’re not sacrificing coverage for a lower premium.

Note that quotes are estimates, and they may not exactly match the price you end up paying for coverage.

For a more detailed look at what’s involved with this process, read our guide to home insurance quotes .

5. Buy your home insurance policy and read it closely

Once you’ve compared quotes and picked a policy, it's time to finalize the details. Sign the paperwork to lock in your policy, and make your first payment. If you’re in the process of buying a house, your first payment may be rolled into your closing costs.

After you sign the contract, you’ll receive a home insurance declarations page from your insurer. This one- to two-page document lays out the most important information about your policy, such as how much it costs, what it covers and the start and end dates of the policy.

Be as accurate as possible when giving your information to insurance companies. If you misrepresent your home or your belongings to get a lower premium, you may be denied coverage or even charged with fraud.

We also recommend reading your home insurance policy in its entirety, as it will lay out the details of what your policy does and does not cover. Understanding the limits of your coverage will help you avoid unwanted surprises later. Keep a copy of your policy in a safe place so you can refer to it if you need to file a claim.

» MORE: 6 key terms to understand in your homeowners insurance policy

NerdWallet averaged rates for 40-year-old homeowners from various insurance companies in every ZIP code across the U.S. All rates are rounded to the nearest $5.

Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:

$300,000 in dwelling coverage.

$30,000 in other structures coverage.

$150,000 in personal property coverage.

$60,000 in loss of use coverage.

$300,000 in liability coverage.

$1,000 in medical payments coverage.

We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.

We used the same assumptions for all other homeowner profiles, with the following exceptions:

For homeowners with a claims history, we added a single wind damage claim.

To see the effect of changing your deductible, we raised the deductible from $1,000 to $2,500.

We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit. In states where credit isn’t taken into account, we only used rates for “good” credit.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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What is homeowners insurance?

Homeowners insurance is a type of property insurance that provides financial protection to homeowners in the event of damage or loss to their private residence and its contents. Home insurance may also offer liability coverage against certain types of accidents that occur within your home or on your property. If you own your home, having reliable homeowners insurance is important to safeguard against unexpected accidents or events that could lead to significant financial losses. Enjoy peace of mind by getting a homeowners insurance quote online today, and then customize your coverage with innovative discounts, support from a local insurance agent, and more.

Personalized Home Insurance Coverages

Customize your homeowners insurance with the coverages you need..

Why do you need homeowners insurance? Home insurance protects one of your most important investments and offers protection for you from accidents in your home or on your property.

Property Damage

Personal Property

Personal Liability

Medical Bills

Living Expenses

Property Damage coverage protects against damage to your home and many permanent structures on your property. This includes damage from fire, smoke , wind, falling trees, hail, and theft.

Personal Property coverage protects belongings that were damaged or stolen such as furniture, appliances, clothing, and electronics. Our Personal Property Insurance calculator can help you decide how much coverage fits your situation.

Personal Liability coverage protects against damage to others caused by you or members of your household, including most pets. This can include medical expenses or property damage.

It could also help with legal expenses in the case of a lawsuit. For example, a visitor slips in your kitchen and gets injured. Or your child accidentally throws a ball through a neighbor's window and breaks the TV.

This covers medical payments for minor injuries to people who don't live with you but get hurt on your property. For example, a visitor slips down your steps on a rainy day and gets injured.

Additional expenses could be covered for extra costs you might have to pay when experiencing a covered loss. For example, payment for a place to stay if your home suffers damage that makes it unlivable.

Homeowners Insurance is Easy and Convenient when you get help with GEICO!

Buying, setting up, and servicing your homeowners policy is easy., get a quote.

We can help you tailor a policy to fit your needs and budget. Check out the links below for more information, then get your quick and easy home insurance quote online today!

• Home insurance coverages
• Personal Property Insurance calculator
• Multi-policy discount

Policy Service and Claims

After your policy is started, you can work with the GEICO Insurance Agency partner for help with:

• Bill payments
• Policy updates
• Reporting claims , and more

Homeowners Insurance Discounts and Savings

Save even more on a home insurance policy.

See how affordable a homeowners insurance quote can be through the GEICO Insurance Agency. Check out the discount options available to save even more on a home insurance policy.

Bundle and Save

Get your car insurance and your homeowners insurance policy together from GEICO and you could receive a reduced rate on your vehicle insurance.

Home Security Systems

Alarm systems and cameras help protect your home and your wallet by giving you peace of mind and another discount opportunity.

Smoke Detectors and Fire Extinguishers

Smoke detectors and fire extinguishers save lives and could save you money on your homeowners insurance.

Other Types of Property Insurance

Find insurance coverage for other types of property., mobile home insurance.

A mobile or manufactured home policy provides coverage for your home, personal belongings, and structures on the land you own. Start your mobile or manufactured home insurance quote today!

Flood Insurance

Flood insurance is a separate policy with additional protection to a homeowners policy, protecting you from more severe types of water damage like heavy rain, melting snow, or severe coastal storms.

Landlord Insurance

Whether you own multiple rental properties or need to sublet your home for a year while you travel for business, we can help with Landlord Insurance .

Renters Insurance

If you rent an apartment, condo, house, etc., you need renters insurance . Get a renters insurance quote today and we'll show you how easy and affordable it is to protect what you care about.

Condo Insurance

Your condo or co-op association's master policy covers the exterior structure, but not what's inside your unit. A condo insurance policy helps with an extra layer of protection. Get started with a quote today!

Home insurance resources

• Types of Property Insurance for Your Home
• What Does Home Insurance Cover?
• What is Personal Property Coverage?
• Personal Property Insurance Calculator: Get a Personal Property Value Estimate
• How to Create a Home Inventory
• Find a Local Agent Near You

We're here to help

Speak with a geico agent about homeowners insurance..

You can reach a homeowners insurance sales agent at (800) 841-3005 . Our GEICO agents are uniquely prepared to explain your coverage options, assist in finding you the best deals, and help get protection for your family. If you have any questions about homeowners insurance quotes or how to get insurance for home furnishings, contact us today.

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Homeowners Insurance FAQ

• Are there ways I can help protect my home? Preventive maintenance can save you a lot of time and money over the life of your home. This interactive guide can help you identify potential problems before they arise.
• How much homeowners insurance coverage do I need? First, start by knowing what is commonly included in a homeowners policy, then identify your wants and needs to ensure you are getting the coverage you desire. While certain coverages may not be able to be changed to ensure your home is properly protected, understating what is included and knowing what protections you want will help you make the right selections when purchasing a policy.
• What does homeowners insurance cover? You might need more homeowners insurance coverage and not even realize it. Here are some commonly overlooked areas that could be putting you and your family at more financial risk than necessary.
• Fire and smoke damage
• Windstorm or hail damage
• Falling objects
• Frozen plumbing
• Water damage caused by plumbing, water heaters, appliances, and heating or cooling systems
• Replacement cost If your home is destroyed in a fire, how much would it cost to rebuild it? The actual cost is the replacement value. This amount includes materials, labor, inflation, and availability of building materials. Estimated replacement cost is the difference from the current tax assessment or market value of your home. This cost accounts for the actual cost to rebuild your home.
• Location, location, location Risks like extreme weather, distance to a fire hydrant, and crime rate all can impact your premium. For example, you might pay more for waterfront property or if you're located in an area prone to flooding. The cost of construction varies by region, which is another factor that determines the cost of your homeowners policy.
• Age and condition of specific things like the age of the roof, building materials and renovation of home systems.
• Your deductible amount. The higher your deductible you select, the lower your premium
• Home safety devices like smoke detectors, burglar alarms and dead bolt locks can help you stay safe and lower the costs
• How can I prevent claims at my home? Clutter can take many shapes. Homeowners should be aware of potential risks, liabilities, and hazards before they occur. This will help to avoid future accidents .
• The inspection will be performed by a representative of your insurance company.
• You don't have to be present for the inspection.
• If an interior review is needed, the inspection company will schedule an appointment.
• The inspector will look at the exterior of your home to include your yard and roof.
• If the inspector needs to verify features impacting replacement cost, they may request to see the interior of your home.
• Once the inspection is complete the information will be reviewed to determine if it is necessary to make any changes to your policy to ensure that your home is adequately protected.
• If hazards are found in the inspection, the next steps will vary and may include requiring repairs or cancelling the policy.
• To learn more 5 Questions To Ask Your Home Inspector .
• Should I get an umbrella insurance policy too? Umbrella insurance gives you extra protection from accidents and lawsuits. If you injure someone or damage their property, you might not have enough coverage. An umbrella policy could save you from paying out of your own pocket.
• Do I need flood insurance for my home? Do you think living far from the coast means your home is safe from flooding? The truth is floods can occur anywhere. Floods can occur outside of high-risk flood zones. Something else to consider, most homeowners insurance policies don't cover flood damage. You may want to consider flood insurance .

Important Information: If you currently have an active flood insurance policy, please call us for the most accurate quote at (800) 566-1575 .

If you don't currently have an active flood policy, click "Continue" to get a quote online.

GEICO Insurance Agency, Inc. has partnered with to provide insurance products. When you click "Continue" you will be taken to their website, which is not owned or operated by GEICO. GEICO has no control over their privacy practices and assumes no responsibility in connection with your use of their website. Any information that you directly provide is subject to the privacy posted on their website.

Call (888) 395-1200 or log in to your current Homeowners , Renters , or Condo policy to review your policy and contact a customer service agent to discuss your jewelry insurance options.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Homeowners coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC. The information you provide will be shared with our business partners so that they can return a quote.

Our homeworkers insurance

Working from home means you can wave goodbye to the stress of the daily commute. But for complete peace of mind, you need to make sure your business is protected if the worst happens. The last thing you want is for your livelihood to be at risk.   You can buy our homeworker insurance from a broker. They’re the experts on the type of cover you need to protect your business, whether you’re going it alone or you’ve got a team of people working for you.

You can cover:

• Business interruption
• Employer’s liability
• Public and product liability
• Goods in transit
• Legal expenses
• Household contents
• Fidelity guarantee
• Personal accident

Need to know

You can only buy our homeworker insurance with a broker. They’re the experts when it comes to your business needs, so you’ll get the best cover at a price that’s right for you.

Find out more about buying through a broker

• Homeowners Insurance

What Does Homeowners Insurance Cover?

Fact Checked

Updated: Oct 9, 2023, 6:50am

Homeowners insurance is one of the most essential types of insurance. The best home insurance policy provides coverage for some of your biggest assets: your house and all your belongings. But it also covers other types of problems, such as accidental injuries to others and additional living expenses if you can’t live in your home due to a problem like a fire.

Knowing what’s actually covered by homeowners insurance can give you peace of mind—or even prompt you to buy extra coverage.

• What Is Homeowners Insurance

What Is Not Covered by Homeowners Insurance?

What coverage types are included in a homeowners insurance policy, levels of coverage for homeowners insurance, how much is homeowners insurance, average homeowners insurance cost, what can make it hard to buy homeowners insurance, when does homeowners insurance pay out.

• Homeowners Insurance FAQ

What Is Homeowners Insurance?

Homeowners insurance is a contract between you and an insurance company that outlines the situations in which the insurance company will reimburse you for costs related to damage and theft.

The most common homeowners insurance policy, called the HO-3, covers your house (dwelling structure) for any problem except those listed as exclusions in the policy.

Personal property is covered if the damage is from specific “perils,” which is insurance-speak for “problems.” An HO-3 policy covers personal property for these perils:

• Accidental discharge or overflow of water or steam
• Aircraft, including self-propelled missiles and spacecraft
• Falling objects
• Fire or lightning
• Riot or civil commotion
• Sudden and accidental damage from artificially generated electrical current
• Sudden and accidental tearing apart, cracking, burning or bulging
• Vandalism or malicious mischief
• Weight of ice, snow or sleet
• Windstorm or hail
• Volcanic eruption

If you want better coverage for your possessions, ask your insurance agent about an HO-5 or similar types of home insurance policies. (Not all insurers use these standard policy types.) An HO-5 policy covers your house and all your personal property for all problems except those that are specifically excluded.

Does Homeowners Insurance Cover Mold?

Mold damage may be covered by a homeowners insurance policy but it depends on the policy and the specific problem that caused the mold. Home insurance for mold damage typically covers sudden and accidental water damage, but they don’t cover mold damage caused by long-term leaks that you didn’t repair.

For instance, a home insurance policy will likely cover you if mold is the result of a burst pipe.

Does Homeowners Insurance Cover Roof Leaks?

Homeowners insurance for roof damage generally covers roof leaks that are the result of sudden and accidental damage, such as heavy rain and wind damage.

Home insurance won’t cover the roof if you didn’t properly maintain it.

Does Homeowners Insurance Cover Plumbing?

Home insurance for plumbing damage typically covers damage if it was sudden and accidental, such as a burst pipe, fire, falling object or frozen pipes in a heated room.

Home insurance won’t cover plumbing damage if it’s the result of wear and tear, frozen pipes in an unheated home, negligence, preventable leaks or sewer and sump pump backup (unless it specifically is added onto the policy).

Does Homeowners Insurance Cover Foundation Repair?

Home insurance covers foundation repairs following sudden and unexpected problems, such as:

• Accidental and sudden water damage (such as a burst pipe).
• Objects like trees falling on your home.
• Home fires and wildfires.
• Damage from smoke .
• Lightning strikes.
• Sudden and accidental events like a vehicle crashing into your house or an explosion caused by a gas leak.
• Windstorms.

Does Homeowners Insurance Cover Termite Damage?

Home insurance covers problems that are sudden and accidental. Termite damage is usually gradual and can be prevented with maintenance, so it is usually not covered.

But there are some rare exceptions when homeowners insurance covers termite damage , such as:

• If termite damage causes a problem covered by your policy , such as termites chewing through wires and causing a fire. Your home insurance will cover the fire-related damage.
• If a problem covered by your policy leads to termites , such as a sudden pipe burst that creates an environment that attracts termites.

Does Homeowners Insurance Cover Fires?

Home insurance covers accidental fires that damage your house and belongings.

The parts of coverage that pay for fire damage are dwelling coverage for your house, “other structures” coverage for sheds, detached garages and fences, and personal property coverage for your belongings.

Additional living expenses coverage, also called loss of use coverage, can reimburse you if you have to live elsewhere temporarily while your home is being repaired or rebuilt following problem covered by your policy, like a tornado.

Does Homeowners Insurance Cover Tree Removal?

Home insurance typically doesn’t cover tree removal for preventative purposes. You are responsible for paying to remove trees that may be leaning, rotting, dying or dangerous.

It’s a good idea to remove any dead or rotten trees. If a rotten or dead tree falls and damages your house or detached structure (like a shed), you may not be covered. That’s because most home insurance companies won’t cover problems caused by poor maintenance, which could include a failure to remove rotted and dead trees.

Your insurance company may cover the cost of tree removal up to a certain amount if it is part of a storm damage insurance claim , such as $500 or $1,000, depending on your policy. For example, if a lightning strike or windstorm causes a tree to fall and block your driveway, your insurance company might pay $500 for debris removal and you would be responsible for any tree removal costs that exceed this amount.

Does Homeowners Insurance Cover Water Damage?

Home insurance covers water damage for sudden and accidental problems, such as:

• Accidental leaks such as a plumbing or appliance leak
• Burst pipes
• Water damage after a fire
• Water damage from a storm

Home insurance does not cover water damage that was due to:

• Damage due to neglect or lack of maintenance, such as not fixing a plumbing problem or failing to keep the heat on during freezing temperatures.
• Earth movement such as an earthquake, landslide or mudslide.
• Repairing or replacing the source of water damage, such as fixing a broken dishwasher.
• Seepage or leaks through a foundation.
• Sewer or drain backup (unless you purchased extra coverage for this problem).
• Swimming pool leaks.
• Sump pump failure.

Does Homeowners Insurance Cover Roof Replacement?

Home insurance covers roof replacement for certain types of problems, such as:

• Falling objects (like a tree)
• Fire and smoke
• Weight of snow and ice
• Wind and hail

Home insurance won’t cover roof damage for these types of problems:

• Animals, such as termites and mice
• Earthquakes
• Gradual wear and tear
• Homeowner neglect
• Normal roof aging
• Rot or mold
• Does Homeowners Insurance Cover Theft?

Homeowners insurance covers theft and burglary, but how much you’re covered depends on your policy limits.

The coverage limit for personal property is typically set at 50% or 70% of the dwelling coverage amount. But certain items, such as jewelry, may only be covered up to a certain amount for theft, such as $1,500. Consider scheduled personal property coverage . Scheduled personal property—also called an endorsement, floater or rider—is optional coverage to your homeowners insurance policy that provides more coverage for high-value items. To ensure you have adequate protection, you might want to consider the best jewelry insurance or scheduled personal property coverage.

What Disasters Does Homeowners Insurance Cover?

Home insurance covers storms and wind in most states, though you may have a separate hurricane insurance deductible if you file a claim. A standard home insurance policy doesn’t cover flood damage, but you can buy a separate flood insurance policy.

Home insurance also doesn’t cover earthquake damage, but you can buy earthquake insurance .

Common exclusions in a standard homeowners insurance policy include:

• Earth movement , including earthquakes, mudslides, mudflow, sinkholes, shockwaves or tremors due to a volcanic eruption, and any other earth movement such as sinking, rising or shifting.
• Governmental action , such as the destruction, confiscation or seizure of your property.
• Intentional damage that you or your household members do. (Vandalism by someone else is covered.)
• Neglect , such as not taking proper care of your property.
• Nuclear hazard .
• Ordinance or law , meaning situations where the government requires you to demolish, rebuild, renovate or repair your home to meet local ordinances.
• Power failure if it happens off the property. If the power failure is caused by something on the property, home insurance typically covers damage from a power failure.
• Water damage , including floods, water that backs up through sewers or drains (unless you have added special coverage for this), and leaks from swimming pools or other structures.

Dwelling Coverage

Dwelling coverage , or hazard insurance , pays to rebuild or repair the physical structure of your house if it’s damaged by a problem covered by the policy, like a fire or damage from a fallen tree.

Other Structures Coverage

Your dwelling not only includes your house, but also other structures such as a garage, deck or back porch, as long as the structure is attached to your home. Detached structures, like a shed or fence, are typically covered under your “other structures coverage.”

Personal Property Coverage

Personal property coverage pays to replace or repair your belongings after a problem covered by the policy. Personal property can include things like your clothes, electronics, jewelry, pots and pans, furniture, rugs, even the little knick-knacks and decorations you keep on your bookshelves.

Personal property coverage is generally set between 50% to 70% of your dwelling coverage. For example, if your house is insured for $300,000 and your personal property is set at 50%, you would have $150,000 for personal property.

You can buy more personal property coverage. You can determine how much you need by calculating how much it would cost to replace everything you own if your house were destroyed in a worst-case scenario (like a fire or tornado). Creating a home inventory is a good way to start.

A good home inventory has an item description, the estimated value, purchase date, and receipts and serial numbers (if available). A home inventory can be as simple as a written list, pictures, video, or an inventory done in a mobile app.

Certain categories of items, such as musical instruments, jewelry and electronics have a limit on how much your insurance company will pay to replace them if they are stolen. For example, your policy might theft of jewelry to $1,500. If you want more coverage, you can “schedule” certain high-value items.

Liability Insurance

Liability insurance pays for accidental injuries and property damage to others that you or your household members are responsible for. Homeowners liability insurance also pays for your legal defense if someone sues you because of an injury or damage that’s covered by your home insurance. Here are some examples of when liability coverage can pay out:

• A guest slips on your icy sidewalk and gets hurt.
• Your dog bites someone and causes injury.
• Your dog destroys someone else’s fence.
• Your child accidentally hits a baseball through a neighbor’s window.

Generally, liability limits start at $100,000 of coverage, but you can buy higher amounts. If you have significant assets, you should also buy an umbrella insurance policy, which costs an average of $380 per year for $1 million to $2 million in coverage, according to Trusted Choice, a group for independent insurance agents.

Medical Payments to Others Coverage

Medical payments coverage in home insurance can pay for minor injuries if a guest is hurt on your property. This coverage is usually sold in a small amount, typically between $1,000 and $5,000. It’s a good way to cover basic medical expenses without legal complications (such as a lawsuit). More expensive injury claims would fall under your liability insurance.

Loss of Use/Additional Living Expenses Coverage

If you cannot live in your home because of a problem covered by the policy, such as a fire, loss of use coverage reimburses you for extra expenses like hotel bills, meals and other costs (such as laundry services and pet boarding fees).

Loss of use coverage is often set at a certain percentage of your dwelling coverage. For example, if your loss of use limit is 30% of your dwelling coverage, and your dwelling coverage is $300,000, you would have up to $90,000 for additional living expenses . You may be able to increase the coverage limit.

Types of Home Insurance Coverage

When you purchase a home insurance policy, you’ll typically have the option to choose higher levels of coverage for your dwelling and personal property. Some insurers also offer extended or guaranteed replacement cost coverage.

Dwelling Coverage Levels

There are three main ways you can get reimbursed for damage to your house.

• Replacement cost coverage . Dwelling coverage pays to repair or replace your house with materials similar to what was there before the damage. When you buy home insurance, you’ll want to buy enough dwelling insurance to cover the estimated cost to rebuild your house if it were totally destroyed.
• Extended replacement cost . This is the next step up in coverage. This provides additional repair money if your dwelling coverage is not enough. For example, a spike in labor and materials could make repairs more expensive than you anticipated. Extended replacement cost coverage is typically capped. For example, it might provide 25% extra over your dwelling coverage amount.
• Guaranteed replacement cost . This is the highest coverage level and pays any cost to repair or replace your house.

Not all insurance companies sell each level of coverage. For example, guaranteed replacement cost can be hard to find.

Personal Property Coverage Levels

There are two main ways you will be reimbursed if your belongings are stolen or damaged due to a problem covered by your policy (like a fire): replacement cost vs. actual cash value coverage .

• Actual cash value (ACV) coverage . This reimburses you for your damaged or stolen personal property minus depreciation. For example, if your 10-year old TV is damaged in a fire, ACV coverage reimburses you for a 10-year old TV, not a new one.
• Replacement cost coverage . This pays to replace your stolen or damaged items with new, similar items. For example, if your 10-year old TV is damaged in a fire, replacement cost coverage will pay for a new, similar model.

Replacement cost coverage costs more than actual cash value coverage because you’ll be paid more if you file a home insurance claim, but it’s generally the better coverage choice.

The average cost of homeowners insurance is $1,582 a year for a policy with $350,000 dwelling coverage and $100,000 in liability coverage, according to Forbes Advisor’s analysis. The average homeowners insurance cost is $2,090 a year for a homeowners policy with $500,000 dwelling coverage and $100,000 liability coverage.

There are many factors that are used to determine average cost of homeowners insurance , including:

• The cost to rebuild the house.
• The materials that make up your house, such as wood, brick, stone or stucco.
• The age of your home.
• Your area’s fire rating (how close you are to a water source and fire department).
• The claims history in your area, such as tornadoes and crime rates.
• Your personal claims history.
• Dogs (certain dog breeds are banned by some home insurance companies ).
• The coverage and policy limits you select.

Home insurance companies can be skittish about selling policies to certain people or when there are specific property issues. There are many possible reasons an insurer might decide not to sell you coverage. Here are examples:

• The house has a deteriorated roof.
• The house is vacant.
• You won’t allow a survey of the property you want to insure.
• Someone in your household has been convicted of arson.
• You had a home insurance policy that was canceled for non-payment in recent years.
• You have a porch or deck that is rotted.
• The builder used unconventional material or methods.

Homeowners insurance pays a claim when your house is destroyed or damaged due to a problem covered by your policy. For example, if an accidental kitchen fire damages the walls and ceiling, your home insurance would pay to cover the repairs (minus your insurance deductible ).

Home insurance also pays out for other types of problems. Here are claim examples for each coverage type:

• Dwelling coverage : If a windstorm damages your home, your home insurance will pay to repair it.
• Other structures coverage : If your shed is destroyed by a fire, your home insurance will pay to replace it.
• Personal property coverage : If a thief steals your laptop, your home insurance will pay to replace it.
• Personal liability coverage : If a guest trips on your cracked sidewalk, your liability insurance can pay for their medical bills. It also pays for your legal costs if you are sued because of the accident.
• Medical payments to others coverage : If a guest suffers a minor injury while visiting your home, medical payments to others can help pay for smaller medical bills such as a trip to urgent care.
• Additional living expenses (ALE) coverage : If you can’t live in your house because of a fire, you can tap your ALE for expenses like a hotel room and restaurant meals.

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What Does Homeowners Insurance Cover FAQs

What’s the difference between actual cash value and replacement cost coverage.

When you purchase a home insurance policy, you’ll often have a choice between replacement cost or actual cash value coverage for your belongings. Replacement cost coverage is more expensive because it reimburses you for brand-new, similar versions of the items that were destroyed. Actual cash value coverage takes depreciation into account (meaning the value of the item at the time of the loss).

For example, if your TV is damaged by a problem covered by the policy (such as a fire), replacement cost coverage will pay for a new TV of a comparable model. Actual cash value coverage will only pay what the TV was worth at the time of the problem, and you would need to make up the difference if you buy a new TV.

Replacement cost coverage offers better insurance protection. A standard HO-3 policy offers actual cash value coverage, so make sure you have an endorsement that upgrades your policy to replacement cost coverage.

What’s the difference between home market value and insurance value?

A home’s market value is based on the property’s worth when buying or selling it. A home’s insurance value is the amount you would need to rebuild the home if it were destroyed. This amount includes materials and labor and varies based on your local construction costs. Your insurance company or agent can estimate the rebuilding cost of your house .

A home’s real estate market value could be higher or lower than the actual cost to rebuild the house.

Do I include land value for insurance?

Land value should not be included in your homeowners insurance coverage limit. You want to determine your dwelling coverage limit based on the cost to rebuild the house from the ground up.

What’s the difference between homeowners insurance and a home warranty?

Homeowners insurance doesn’t cover the mechanical breakdown of appliances, like a dishwasher that stops washing or a clothes dryer that doesn’t heat up. That’s where a home warranty would come in, paying for repairs covered by the warranty plan.

For example, if your furnace stops working, a home warranty plan could pay for repairs. If your furnace is destroyed in a house fire, homeowners insurance would pay for its replacement.

Related: Home Insurance vs. Home Warranties

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• Home Insurance

Homeowners Insurance Guide: A Beginner's Overview

Investopedia contributors come from a range of backgrounds, and over 25 years there have been thousands of expert writers and editors who have contributed.

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• Beginner's Overview CURRENT ARTICLE
• How Much to Buy
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• Is Home Insurance Tax Deductible?
• HO5 Policy vs. HO3 Policy
• Additional Living Expense (ALE)
• Coinsurance
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• Roof Replacement?
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• How to Save on Homeowners Insurance
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• Lender-Required Flood Insurance
• Windstorm Insurance
• Hurricane Deductible
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• Does Homeowners Insurance Cover Renovations?
• How to Insure Your Second Home
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Investopedia / Xiaojie Liu

Homeowners insurance (also known as home insurance ) isn't a luxury; it's a necessity. That's not just because it protects your home and possessions against damage or theft. In this article, we'll walk you through the basics of homeowners insurance policies.

Most mortgage companies require borrowers to have insurance coverage for the replacement cost of a property, which is the cost to rebuild it if it is completely destroyed. Your insurer will likely pay your settlement to both you and your lender if that happens.

You don't even have to be a homeowner to need insurance. Many landlords require their tenants to maintain renters insurance  coverage. Whether it's required or not, it's smart to have this kind of protection.

Key Takeaways

• Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of possessions, and personal liability for harm to others.
• Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value.
• Policy rates are largely determined by the insurer's risk that you'll file a claim; they assess this risk based on past claim history associated with the home, the neighborhood, and the home's condition.
• In shopping for a policy, get quotes from at least five companies, and definitely check with any insurer you already work with—current clients often get better deals.

What a Homeowners Policy Provides

Although they are infinitely customizable, a homeowners insurance policy has certain standard elements that provide what costs the insurer will cover. Each of the main coverage areas are discussed below.

Damage to the Interior or Exterior of Your House

In the event of damage due to fire, hurricanes, lightning, vandalism, or other covered disasters, your insurer will compensate you so your house can be repaired or even completely rebuilt. Destruction or mutilation from floods, earthquakes, and poor home maintenance is generally not covered, and you may require separate riders if you want that type of protection. Freestanding garages, sheds or other structures on the property may also need to be covered separately using the same guidelines as for the main house.

Clothing, furniture, appliances, and most of the other contents of your home are covered if they're destroyed in an insured disaster. You can even get "off-premises" coverage, so you could file a claim for lost jewelry, say, no matter where in the world you lost it. There may be a limit on the amount your insurer will reimburse you, however. According to the Insurance Information Institute, most insurance companies will provide coverage for 50% to 70% of the amount of insurance you have on the structure of your home. For example, if your house is insured for $200,000, there would be up to about $140,000 worth of coverage for your possessions.

If you own a lot of high-priced possessions (fine art or antiques, fine jewelry, designer clothes), you might want to pay extra to put them on an itemized schedule, purchase a rider to cover them, or even buy a separate policy.

Personal Liability for Damage or Injuries

Liability coverage protects you from lawsuits filed by others. This clause even includes your pets! So, if your dog bites your neighbor, Doris, no matter if the bite occurs at your place or hers, your insurer will pay her medical expenses. Alternatively, if your kid breaks her Ming vase, you can file a claim to reimburse her. If Doris slips on the broken vase pieces and successfully sues for pain and suffering or lost wages, you'll likely be covered for that, too, just as if someone had been injured on your property.

Off-premises liability coverage often doesn't apply for those with renters insurance.

While policies can offer as little as $100,000 of coverage, experts recommend having at least $300,000 worth of coverage, according to the Insurance Information Institute. For extra protection, a few hundred dollars more in premiums can buy you an extra $1 million or more through an umbrella policy.

Hotel or House Rental While Your Home Is Being Rebuilt or Repaired

It's unlikely, but if you do find yourself forced out of your home for a time, this will undoubtedly be the best coverage you ever purchased. This part of insurance coverage, known as additional living expenses , reimburses you for rent, hotel stays, restaurant meals, and other incidental costs you incur while waiting for your home to become habitable again. Before you book a suite at the Ritz-Carlton and order caviar from room service, however, keep in mind that policies impose strict daily and total limits. Of course, you can expand those daily limits if you're willing to pay more in coverage. 

Different Types of Homeowners Coverage

All insurance is definitely not created equal. The least costly homeowners insurance will likely give you the least amount of coverage, and vice versa.

In the U.S. there are several forms of homeowners insurance that have become standardized in the industry; they are designated  HO-1 through HO-8 and offer various levels of protection depending on the needs of the homeowner and the type of residence being covered .

Many states also offer plans that provide basic coverage to property owners located in zones considered high-risk. These Fair Access to Insurance Requirements (FAIR) plans are a last-resort insurance coverage.

There are essentially three levels of coverage.

Actual cash value (ACV) covers the cost of the house plus the value of your belongings after deducting depreciation (i.e., how much the items are currently worth, not how much you paid for them). Some policies may contain a recoverable depreciation clause , which allows the owners to claim the value of the depreciation along with the ACV.

Replacement Cost

Replacement value policies cover the actual cash value of your home and possessions without the deduction for depreciation, so you would be able to repair or rebuild your home up to the original value.

Guaranteed (or Extended) Replacement Cost/Value

The most comprehensive, this inflation-buffer policy pays for whatever it costs to repair or rebuild your home—even if it's more than your policy limit. Certain insurers offer an extended replacement, meaning it offers more coverage than you purchased, but there is a ceiling; typically, it is 20% to 25% higher than the limit.

Some advisors feel all homeowners should buy guaranteed replacement value policies because you don't need just enough insurance to cover the value of your home, you need enough insurance to rebuild your home, preferably at current prices (which probably will have risen since you purchased or built). Guaranteed replacement value policies will absorb the increased replacement costs and provide the homeowner with a cushion if construction prices increase. 

What Isn't Covered by Homeowners Insurance?

Homeowners insurance policies typically include coverage for a wide range of perils and events that can cause damage to your property or belongings. However, there are also several common exclusions, which are situations or events that are not covered by the standard policy. If you want coverage for many of these specific items, you'll likely need to buy separate or private coverage.

There are several natural disaster occurrences that are not covered by standard coverage. Standard homeowners insurance usually doesn't cover damage caused by floods. Earthquake damage is typically excluded from standard homeowners insurance policies. While some policies include limited coverage for sudden and accidental sinkhole damage, extensive or gradual sinkhole damage is often excluded as well.

There are some home repair and maintenance costs that are not covered. Many standard policies exclude damage from sewer or drain backups. Repairs or replacements due to the normal course of use are also generally not covered. Damage caused by termites, rodents, other pests, mold, and mildew may also be excluded, especially if prevention methods are not taken.

Last, there are many acts that do not constitute coverage. Damage caused by acts of war, terrorism, or civil unrest is usually not covered by standard homeowners insurance policies, nor is damage from nuclear accidents or radiation. If you intentionally cause damage to your own property, it is unlikely to be covered by your insurance policy. In addition, if you need to rebuild or repair your home to comply with updated building codes or laws after a covered loss, the additional costs might not be fully covered by a standard policy.

How Are Homeowners Insurance Rates Determined?

So what's the driving force behind rates? In general, rates are set based on the likelihood a homeowner will file a claim—the insurer's perceived "risk." To determine risk, home insurance companies give significant consideration to past home insurance claims submitted by the homeowner as well as claims related to that property and the homeowner’s credit.

While insurers are there to pay claims, they're also in it to make money. Insuring a home that has had multiple claims in the past three to seven years, even if a previous owner filed the claim, can bump your home insurance premium into a higher pricing tier. You may not even be eligible for home insurance based on the number of recent past claims filed, says Noah J. Bank, a vice president and insurance advisor at HUB International,

Neighborhood, crime rate, and building material availability will all play a part in determining rates, too. And, of course, coverage options such as deductibles or added riders for art, wine, jewelry, etc.—and the coverage amount desired—also factor into the size of an annual premium.

What else affects your rates? Generally speaking, almost anything that impacts potential risk may impact your rate. For instance, a home that is not well-maintained may increase the necessity for major damages. Another example is a home with a specific breed of dog that may be more susceptible to damage. At a high level, rates are set based on the likelihood of the insurer paying out damages. The more variables that contribute to that risk, the higher your rates.

Investopedia / Alison Czinkota

While it never pays to play it cheap with coverage, there are ways to cut down on insurance premiums.

Maintain a Security System

A burglar alarm monitored by a central station or tied directly to a local police station will help lower the homeowner's annual premiums, perhaps by 5% or more. In order to obtain the discount, the homeowner must typically provide proof of central monitoring in the form of a bill or a contract to the insurance company.

Smoke alarms are another biggie. While standard in most modern houses, installing them in older homes can save the homeowner 10% or more in annual premiums. Carbon monoxide detectors, dead-bolt locks, sprinkler systems, and in some cases even weatherproofing can also help.

Raise Your Deductible

Like health insurance or car insurance, the higher the deductible the homeowner chooses, the lower the annual premiums. However, the problem with selecting a high deductible is that claims/problems that typically cost only a few hundred dollars to fix—such as broken windows or damaged sheetrock from a leaky pipe—will most likely be absorbed by the homeowner. And these can add up. Some insurance providers offer a buyback deductible adder to a policy that will reduce the deductible associated with an event. However, these provisions will cost you a higher premium.

Look for Multiple Policy Discounts

Many insurance companies give a discount of 10% or more to customers who maintain other insurance contracts under the same roof (such as auto or health insurance). Consider obtaining a quote for other types of insurance from the same company that provides your homeowners insurance. You may end up saving on two premiums.

Plan Ahead for Renovation

If you plan to build an addition or adjacent structure to your home, consider the materials that will be used. Typically, wood-framed structures will cost more to insure because they are highly flammable. Conversely, cement- or steel-framed structures will cost less because these are less likely to succumb to fire or adverse weather conditions.

Another thing most homeowners should, but often don't, consider are the insurance costs associated with building a swimming pool. In fact, items such as pools and/or other potentially injurious devices (like trampolines) can drive annual insurance costs up by 10% or more.

Pay Off Mortgage

Obviously this is easier said than done, but homeowners who own their residences outright will most likely see their premiums drop. Why? The insurance company figures if a place is 100% yours, you'll take better care of it.

Regularly Compare Policies and Coverage

No matter what initial price you're quoted, you'll want to do a little comparison shopping, including checking for group coverage options through credit or trade unions, employers, or association memberships. And even after purchasing a policy, investors should, at least once per year, compare the costs of other insurance policies to their own. In addition, they should review their existing policy and make note of any changes that might have occurred that could lower their premiums.

For example, perhaps you have disassembled the trampoline, paid off the mortgage, or installed a sophisticated sprinkler system. If this is the case, simply notifying the insurance company of the change(s) and providing proof in the form of pictures and/or receipts could significantly lower your insurance premiums.

Loyalty often pays. The longer you stay with some insurers, the lower your premium can become, or the lower your deductible will be.

To know if you have enough coverage to replace your possessions, make periodic assessments of your most valuable items, too. According to John Bodrozic, co-founder of HomeZada. a home maintenance app, “Many consumers are underinsured with the contents portion of their policy because they have not done a home inventory and added the total value to compare with what the policy is covering.”

Look for changes in the neighborhood that could reduce rates, as well. For example, the installation of a fire hydrant within 100 feet of the home, or the erection of a fire substation within close proximity to the property, may lower premiums.

How to Compare Home Insurance Companies

When looking for an insurance carrier, here's a checklist of search and shopping tips.

1. Compare Statewide Costs and Insurers

When it comes to insurance, you want to make sure you are going with a provider that is legitimate and creditworthy. Your first step should be to visit your state’s Department of Insurance website to learn the rating for each home insurance company licensed to conduct business in your state, as well as any consumer complaints lodged against the insurance company. The site should also provide a typical average cost of home insurance in different counties and cities.

2. Do a Company Health Check

Investigate home insurance companies you’re considering via their scores on the websites of the top credit agencies (such as AM Best, Moody's, J.D. Power, Standard & Poor's) and those of the National Association of Insurance Commissioners  and Weiss Research. These sites track consumer complaints against the companies as well as general customer feedback, the processing of claims, and other data. In some instances, these websites also rate a home insurance company's financial health to determine whether the company is able to pay out claims.

3. Look at Claim Responses

Following a large loss, the burden of paying out-of-pocket to repair your home and waiting for reimbursement from your insurer could place your family in a difficult financial position. A number of insurers are outsourcing core functions, including the handling of claims. Before purchasing a policy, find out whether licensed adjusters or third-party call centers will be receiving and handling your claims calls.

4. Browse Current Policyholder Satisfaction

Every company will say it has good claims service. However, cut through the clutter by asking your agent or a company representative the insurer’s retention rate—that is, what percentage of policyholders renew each year. Many companies report retention rates between 80% and 90%. You can also find satisfaction information in annual reports, online reviews, and good old-fashioned testimonials from people you trust.

5. Get Multiple Quotes

How many quotes should you get? Five or so will give you a good sense of what people are offering and leverage in negotiations. Before collecting quotes from other companies, request a price from insurers you already have a relationship with. As previously mentioned, in many instances, a carrier you’re already doing business with (for your auto, boat, etc.) may offer better rates because you're an existing customer.

Some companies provide a special discount for seniors or for people who work from home. The rationale is both these groups tend to be on-premises more often—leaving the house less prone to burglary.

6. Look Beyond Price

The annual premium is often what drives the choice to purchase a home insurance policy, but don't look solely at price. “No two insurers use the same policy forms and endorsements, and policy wording can be very different,” says Bank. “Even when you think you're comparing apples to apples, there's usually more to it, so you need to compare coverages and limits.”

7. Talk to a Real Person

 Eric Stauffer, former president of ExpertInsuranceReviews.com, feels the best way to get quotes is to go directly to the insurance companies or speak to an independent agent who deals with multiple companies, as opposed to a traditional “captive" insurance agent or financial planner who works for just one home insurance company. Bear in mind, though, “a broker licensed to sell for multiple companies often attaches their own fees to policies and policy renewals. This could cost hundreds extra a year,” he notes.

Bank urges consumers to ask questions that give them a detailed sense of their options: “You want to consider different deductible scenarios to best weigh if it makes sense to opt for a higher deductible and self-insure ,” he says.

What Are the Different Types of Homeowners Insurance Policies?

The most common types are HO-1 (basic coverage), HO-2 (broad coverage), HO-3 (special form coverage), and HO-5 (comprehensive coverage). Additionally, there are specialized policies like condo insurance (HO-6) and renters insurance (HO-4), among others.

How Do I File a Homeowners Insurance Claim?

To file a claim, contact your insurance company's claims department and provide details about the incident. They will guide you through the process, assign a claims adjuster, and assess the damage. The claims process involves reporting the incident, assessment by a claims adjuster, reviewing policy coverage, estimating the loss, discussing the settlement, and ultimately receiving payment for repairs or replacements.

Is Personal Liability Coverage Included in Homeowners Insurance?

Yes, personal liability coverage is a standard part of homeowners insurance. It covers legal expenses if you're sued for injuries or property damage that occurred on your property.

What's the Importance of Creating a Home Inventory for Insurance Purposes?

Creating a home inventory helps catalog your belongings, simplifies the claims process, ensures accurate valuation of your possessions, and helps you receive fair compensation in case of covered losses.

Homeowners insurance provides financial protection against damage to your home and belongings caused by covered events like fires, theft, and storms. It includes liability coverage for injuries or property damage to others. Policy types vary, each offering different levels of coverage. Having homeowners insurance helps safeguard your investment, cover unexpected expenses, and provide peace of mind in case of unforeseen incidents.

Correction—April 2, 2024: A previous version of this article incorrectly stated the amount of home insurance that mortgage lenders require. It has been corrected to say lenders usually require the replacement value of the home.

Insurance Information Institute. " Homeowners Insurance Basics ."

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Best homeowners insurance companies for September 2024

• • Personal Lines
• • Auto insurance
• • Home insurance

• • Homeowners insurance

Bankrate’s extensive research pinpointed Allstate, USAA and Amica as some of the best home insurance companies in the nation.

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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict  editorial integrity , this post may contain references to products from our partners. Here’s an explanation of  how we make money . Our content is backed by  Coverage.com   LLC , a licensed entity (NPN: 19966249). For more information, please see our  Insurance Disclosure.

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Bankrate’s goal is to help you understand how to shop for and choose the best home insurance company. That’s why our editorial team includes licensed insurance agents with real-world industry experience, adding to our unique understanding of what matters to homeowners. By using September 2024 average annual premiums from Quadrant Information Services, available coverage options, discount opportunities, overall customer satisfaction and financial strength as measures — along with our proprietary Bankrate Score — we identified property and casualty insurers that make for solid options for homeowners across the U.S. Here are Bankrate’s picks for the best homeowners insurance companies in 2024:

• USAA:  Best overall
• Auto-Owners:  Best for budget home insurance
• Amica:  Best for customer experience
• NJM:  Best for unique discounts
• Erie:  Best for robust coverage
• Chubb:  Best for high-value home coverage
• Allstate:  Best overall
• State Farm:  Best for local agents
• Travelers:  Best for add-on coverage options
• Lemonade:  Best for digital experience

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This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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The best home insurance companies by state

Finding the best homeowners insurance company for you, best homeowners insurance companies for different homeowners, how do i save on home insurance.

• Best home and auto insurance bundles

Home insurance industry trends

Frequently asked questions, methodology, the best home insurance companies in september 2024.

There’s no single insurer that’s best for everyone, which is why Bankrate included 10 in our roundup of top homeowners insurance companies. Our list of the best homeowners insurance companies includes providers that offer a broad range of coverage options so that you can build the best home insurance policy for your needs. To help narrow down your search, we also selected a key characteristic of each provider to highlight what makes it stand out from the pack.

How Bankrate picked the best homeowners insurance companies

Finding the right home insurance can be a challenge for first-time buyers and seasoned homeowners alike. Bankrate’s insurance editorial team is dedicated to bringing readers the information they need to make educated decisions when shopping for new home insurance. Our list of the best homeowners insurance companies includes providers that offer a broad range of coverage options and have high customer satisfaction scores and financial strength ratings, which we leveraged into a Bankrate Score out of 5.0. To make our list of best homeowners insurance companies, we chose carriers that:

• Earned a Bankrate Score of 3.5 or higher
• Scored within 30 points of the segment average for customer satisfaction in the J.D. Power 2023 U.S. Home Insurance Study (for companies that were included)
• Have an AM Best financial strength rating of A (Excellent) or better
• Were ranked by Bankrate as the best company for specific market segments, based on the company’s unique features

Bankrate's trusted insurance industry expertise

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for new home insurance.

of industry experience

Zip codes examined

Carriers reviewed

Quotes analyzed

The top 10 home insurance companies

Best home insurance company overall (tie).

Avg. premium for $300K dwelling

Customer satisfaction

Why USAA may be best overall: Although USAA only offers coverage to active-duty military and veterans, as well as their qualifying family members, the company has consistently high customer service scores, robust coverage options and low average premiums. USAA tied in the 2024 Bankrate Awards for Best Home Insurance Company Overall, the third year in a row it has taken home the title. Unique add-ons, such as coverage for military uniforms for active duty or deployed policyholders, are also offered.

Availability: Coverage is available in all states for policyholders that meet USAA’s eligibility criteria.

Pros and cons

Checkmark Pros

• Low average premiums
• Military-focused coverage options

Close X Cons

• Only available to military members, veterans and qualifying family members
• Fewer discounts offered than some other home insurers

USAA standout features

Replacement cost value included

Identity theft coverage included

Valuable personal property insurance available

Below-average NAIC complaint index

Nationwide availability

How to get started with USAA

You can get a USAA home insurance quote by calling 800-531-8722. Online quotes are also available for home insurance.

Best budget home insurance

Why Auto-Owners may be for budget home insurance: Auto-Owners’ average premiums tend to be lower than the national average and lower than average premiums in the 26 states in which it operates. Additionally, it offers a lengthy list of discounts for even more savings. Auto-Owners operates through a network of independent insurance agents, some of whom may have insurance knowledge specific to your area.

Availability: Auto-Owners is available in Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin.

• Average home insurance premiums may be cheaper than state and national average
• Local agents available to help with policy servicing
• Not available nationwide
• Limited digital tools

Auto-Owners standout features

Ordinance/law coverage available

Homeowners Plus coverage package available

Home cyber protection available

How to get started with Auto-Owners

You can visit Auto-Owners’ website to locate a nearby agent to prepare a quote.

Best for customer service

Why Amica may be best for customer service: Amica’s highly rated claims and customer satisfaction may be ideal for policyholders seeking a positive customer service experience. The company earned the top spot in the J.D. Power 2024 U.S. Property Claims Study. For the past decade, Amica has ranked either in first or second place in this study. Amica’s high customer satisfaction performance is coupled with “Superior” financial strength, as rated by AM Best. To get a quote from Amica, visit its website at amica.com .

Availability: Coverage is available in all states except Alaska and Hawaii.

• Homeowners and renters insurance policies rank highest with J.D. Power for customer satisfaction
• Dividend policies may allow you to recoup some of your premium
• Certain types of structures, such as mobile homes, farms and ranches, are not typically eligible for coverage

Amica standout features

Near-nationwide availability

Special computer coverage available

Credit card coverage available

Increased liability and medical payment coverage available

How to get started with Amica

Amica offers an online quoting tool or a home insurance quote over the phone at 800-242-6422. To learn more about Amica, visit amica.com.

Best for unique discounts

Why NJM may be best for unique discounts: New Jersey Manufacturers, or NJM, is a regional property and casualty insurer with ample savings opportunities. The company’s premiums typically fall far below the national average, and several discounts are available — like savings for having a backup generator, a home alarm system or storm shutters (in some states). Keep in mind that discount eligibility will vary.

Availability: Coverage is available in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.

• Low average rates
• Numerous discounts
• No mobile app availability for NJM’s homeowners insurance policy
• Limited third-party data available for customer satisfaction

NJM standout features

Assisted living care coverage available

Fungi, wet or dry rot or bacteria coverage available

Earthquake coverage available

How to get started with NJM

You can get an NJM quote by calling 800-232-6600 or using the online quote tool.

Best for robust coverage

Why Erie may be best for robust coverage: Erie offers numerous coverage options, from water backup to guaranteed home replacement coverage, to help you personalize a policy that fits your specific coverage needs. Erie is a regional insurer, so it is only an option for homeowners in 12 states and Washington, D.C. But if you live in an area that Erie services, you may find the insurer appealing for its array of optional coverage types, high overall customer satisfaction scores and strong financial standing.

Availability: Coverage is available in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, Washington, D.C., West Virginia and Wisconsin.

• Ranked first in the 2023 J.D. Power U.S. Home Insurance Study and third in the 2024 U.S. Property Claims Satisfaction Study
• Limited mobile app accessibility and usability compared to other insurance carriers

Erie standout features

Identity theft coverage available

Service line coverage available

Sewer backup coverage available

Equipment breakdown coverage available

How to get started with Erie

Erie only provides quotes through its distribution network of local independent agents. The company’s website has a tool that could help you find an agent and even select a preferred language.

Best for high value homes

Why Chubb may be best for luxury home coverage: If you own a luxury home , Chubb’s specialized homeowners insurance policies offer risk consulting, which involves a trained risk consultant evaluating your home’s features to determine your home’s rebuilding cost. In addition, Chubb offers a HomeScan tool, which may help homeowners identify potential issues before they cause property damage claims. It’s features like this that contributed to Chubb being named Best for High-Value Homes in the 2024 Bankrate Awards.

Availability: Coverage is available in all states.

• Coverage can be tailored for luxury homes
• HomeScan tool may help identify issues before they cause claims
• Lower-than-average overall customer satisfaction from J.D. Power
• May be expensive for lower-value properties

Chubb standout features

National availability

Extended replacement cost coverage included

Water backup coverage included

Complimentary home assessment services

Wine and spirits coverage available

Multiple options for valuables coverage

How to get started with Chubb

Chubb sells its coverage exclusively through local independent agents. You can use the company’s Find an Agent tool to locate a Chubb office in your area.

Why Allstate may be best overall: Allstate has an abundance of online tools and various coverage options for homeowners who want to take a proactive approach to their home insurance. And for those who prefer in-person service, Allstate also has an extensive network of local agents ready to help with any of your insurance needs. For the second year in a row, Allstate tied with USAA in the 2024 Bankrate Awards for Best Home Insurance Company Overall.

Availability: Coverage is available in all states except California.

• Educational insurance information available online
• Common and Costly Claims tool could help you prepare for and mitigate home damage
• Below-industry-average J.D. Power customer satisfaction score
• Some coverage options may not be available in all states

Allstate standout features

Above-average NAIC complaint index

Yard and garden coverage available

Sports equipment property coverage available

Electronic data recovery coverage available

Water backup coverage available

Green improvement reimbursement

How to get started with Allstate

Allstate offers online home insurance quotes. If you prefer working with an agent, you could call 866-702-6500 or visit a local Allstate agency.

Best for local agents

Why State Farm may be best for local agents: State Farm is a highly rated, historically financially strong insurer with more than 19,000 exclusive agents throughout the U.S. Its low NAIC complaint index for home insurance and above-average J.D. Power score indicate that State Farm home insurance policyholders are generally satisfied with the company’s service. 

Availability: Coverage is available in all states except Massachusetts and Rhode Island. As of May 2023, State Farm is no longer accepting new home insurance policy applications in California. 

• Highly rated digital tools
• Higher-than-average J.D. Power overall satisfaction score
• Fewer advertised discounts than some competitors
• Not currently available nationwide

State Farm standout features

Home systems coverage available

Dwelling foundation coverage available

Premier Service Program

How to get started with State Farm

State Farm makes getting a homeowners insurance quote easy. You can get a quote online, call 800-782-8332 or visit a State Farm agency in your area.

Best for add-on coverage

Why Travelers may be best for add-on coverage options: Although Travelers offers standard endorsements like coverage for jewelry and valuables and water backup coverage, other less common coverage options include green home coverage and identity protection. It also has a free home history tool for home buyers to explore if considering a home. Homeowners looking for a customized policy may be interested in Travelers.

Availability: Available in all states except Alaska, Florida, Hawaii, Louisiana and West Virginia. 

• Green home discount available
• OpenHouse, a free home history tool, is available to customers
• Below-average J.D. Power customer satisfaction score

Travelers standout features

Personal articles floater available

Contents replacement cost coverage available

Additional replacement cost protection available

How to get started with Travelers

For quotes, interested homeowners should call 866-218-5587, contact a local Travelers agent or explore its website. 

Best for digital experience

Not available

Why Lemonade may be best for digital experience: Lemonade’s artificial intelligence and digital-first approach to underwriting home insurance is innovative and allows the carrier to offer useful online tools and, according to the insurer, lower-cost policies. Lemonade exclusively operates via a highly rated mobile app, which has a 4.9 rating on the App Store and 4.3 on Google Play. The interface can process simple claims incredibly quickly; the fastest claim time recorded was just 3 seconds. Lemonade’s impressive use of technology earned it a 2024 Bankrate Award for Best Digital Home Insurance Company.

Availability: Coverage available in Arizona, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington, D.C. and Wisconsin.

• Innovative use of technology
• AI-approved claims pay out instantly via direct deposit into policyholder's bank account
• Donates a portion of unclaimed money to a charity of policyholder’s choice
• Limited third-party rankings
• No physical agency locations
• Only available in 23 states and Washington, D.C.

Lemonade standout features

Swimming pool coverage available

Equipment breakdown covered available

Buried utility coverage available

How to get started with Lemonade

Home insurance quotes can be obtained online or through the mobile app. If you need to talk to a representative, you can call 844-733-8666.

Thanks to a combination of high customer satisfaction scores, low average premiums, discount opportunities, coverage options and more, we’re confident that the companies on this list are an excellent starting point for many shoppers. However, depending on your state, some carriers will be priced more competitively than others. Your location may demand premiums much higher or lower than the national average homeowners insurance cost , and some of the companies on this list may not be available in your state at all.

Risks and insurance markets vary from state to state. Florida, for instance, is grappling with a homeowners insurance crisis , and many of the carriers on this list are no longer writing new business in the state. Instead, Floridians may need to rely on smaller regional companies for coverage or state-supported Citizens Insurance. In California, home insurance companies are limiting coverage in response to increased wildfire risks (among other concerns). No matter where you live, narrowing your research by looking into the best homeowners insurance company in your state could help you find the best coverage at the best price.

Compare the best home insurance rates by state

To help illustrate how rates can differ depending on where you live, we created the interactive map below. Click on your state to see how much the average homeowners insurance policy costs in your area and how it compares to the national average. Please note that these average rates are based on policies with $300,000 in dwelling coverage.

Insurance is a highly individualized product. Finding cheap homeowners insurance with good coverage can be a tough balancing act. But it may be possible if you know your needs and priorities, as well as how your circumstances can affect your rate. Climate and location, for example, can play large roles in how much coverage you need. If you live along a fault line, you may consider adding an earthquake endorsement to your policy. Or, if you live somewhere with a high flood risk, adding flood coverage is probably a wise move.

Home insurance companies typically use more than a dozen factors (that are personal to you) to calculate your rate. In most states, these factors include your credit history, ZIP code, claims history and marital status, among others. As a result, insurance rates, coverage options and savings opportunities differ across people and companies. When in doubt, you might find it helpful to speak with an independent agent or broker who can request quotes from multiple companies on your behalf. They may also be able to give greater insight into your specific coverage needs.

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How to buy homeowners insurance.

Once you are ready to purchase homeowners insurance , here is an overview of steps to follow:

1. Understand how much coverage you need.

Dwelling coverage is usually the first to be established on a home policy since the coverage limits for other structures, personal property and loss of use are based on percentages of the dwelling's insured value. Most homeowners insurance policies cover the home's replacement cost value , which considers the cost of labor and building materials needed to repair the home — not the market value. Using a replacement cost estimator that calculates factors like square footage and building materials will give you a good idea of how much home insurance you need .

2. Estimate what you need insured.

Once you know how much you need for dwelling coverage, consider any other structures on your property, such as a fence, detached garage or inground swimming pool. Create a home inventory of your personal property, taking into account any high-value items that might benefit from a scheduled personal property endorsement . If you are concerned that your structures or personal property need additional coverage,  an insurance agent can help review the coverage limits to ensure you have the right amount of insurance. Depending on where your home is located, you may also need flood or earthquake insurance, which is usually purchased separately.

3. Choose which insurance companies to request a quote from.

Researching the top home insurance companies can reveal financial strength ratings and customer service reviews, which can help you narrow down your options. Requesting home insurance quotes will give you a better picture of policy offerings, and discount opportunities. Plus, if you collect multiple quotes, you will gain better insight into your home’s exact insurance costs. Requesting quotes from more than one carrier will give you the best chance to see which company offers the best coverage for your needs and budget. Additionally, depending on how you want to manage your policy, this can be a great way to familiarize yourself with the company’s online services or connect with local insurance agents.

4. Finalize your home insurance policy.

Once you have made a decision, you’ll need to make a payment to bind, or finalize, the policy. If you are switching carriers , you can choose to have your new policy begin when the old one ends or to have your new policy start immediately. If the latter is the case, you’ll need to issue a request to your old insurance company to cancel the policy and request a refund for any unused premium.

What customer satisfaction metrics should you consider?

Some homeowners are less concerned with cheap rates and instead prioritize top-notch customer service. But, how can you know what a company's customer service experience is like before you've purchased a policy? Fortunately, there are a few different metrics that can give you a glimpse into how current policyholders feel about their home insurance carrier, including:

J.D. Power scores: J.D. Power conducts annual insurance studies by surveying current policyholders, asking them to rate the customer service and property claims experience they've received from their company. You can also learn about a carrier's digital tools by reviewing the J.D. Power 2024 U.S. Insurance Digital Experience Study .

NAIC Complaint Index: The National Association of Insurance Commissioners, or NAIC, records policyholder complaints and translates this data into a complaint index . Most insurance companies have an overall complaint index and a score for each line of available insurance. When interpreting this data, it's important to know that a company with an average number of complaints has a score of 1.00. A score higher than 1.00 means the company gets more complaints on average and vice versa — a score less than 1.00 means fewer complaints than average.

Financial strength ratings: Although a company's financial strength rating may not be directly related to customer service, it's unlikely that a policyholder will be happy with their carrier if it doesn't have the funds to pay for a covered loss. Financial strength ratings issued by AM Best, Moody's, Standard & Poor’s and Demotech reflect a carrier's historical ability to pay out claims when needed. Most insurance agents agree that choosing a financially stable company is essential, as losses can be widespread after a natural disaster like a hurricane or wildfire.

Friends and family: Speaking with friends and family already insured with a company can be a powerful tool in understanding what to expect from a carrier. Word of mouth can go a long way, especially from trusted friends, family and colleagues.

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Home insurance needs will change based on your unique situation. For example, first-time homebuyers will likely need something different from their provider than someone who purchased an Airbnb property or someone who purchased a historical home. Below, we’ve put together a list of the best home insurance companies for a variety of different scenarios.

Allstate: The best home insurance company for first-time homebuyers

It’s not uncommon for a home insurance company to extend a discount to first-time homebuyers. The companies we’ve chosen to highlight below all offer some type of discount for new homeowners or recent home purchases.

Allstate stands out to us for a few reasons as the best choice for a first-time homeowner. It offers both a 10 percent welcome discount and additional savings for recent homebuyers. Allstate’s high Bankrate Score, Bankrate Award for Best Overall Home Insurance Company and long list of additional coverage options check many of our boxes — and those of a first-time homebuyer. Plus, Allstate’s robust digital tools and expansive network of agents can help give first-timers the extra support they may need when navigating the insurance process.

USAA: The best home insurance company for leasing to a renter

If you purchased an investment property to rent out, you’ll likely need a home insurance provider that offers either short-term rental coverage or a landlord policy . A standard home insurance policy will likely only cover an owner-occupied building. Landlord insurance, among other things, can provide coverage for a tenant-occupied building. Short-term rental insurance can raise your liability limits and offer additional protection for your personal belongings.

USAA’s rental property insurance program offers strong protection for you and your home, whether you rent out your property for a week, a month or longer. If you do not qualify for a USAA policy, Allstate could be a good alternative. Its HostAdvantage policy even includes a discount from Merry Maids.

Chubb: The best home insurance company for homeowners with high-value homes or valuable items

While the definition of a high-value home may change from region to region, they have some insurance commonalities. Owners of high-value homes may seek higher coverage limits, specialized coverage endorsements and dependable customer service.

Chubb offers policyholders all of these things and more. It was awarded the 2024 Bankrate Award for Best for High-Value Homes for multiple reasons. Chubb’s policies include complimentary risk consulting and a HomeScan tool to help spot problems before they turn into expensive insurance claims. It has a wealth of coverage options for valuable items, like special endorsements for jewelry, art, collectibles and even wine and spirits.

One of the easiest ways to maximize savings on your home insurance is to take advantage of home insurance discounts . Every insurance company has its own discounts, but common savings opportunities could include being claims-free or buying a new home. In some states (Florida and Louisiana, for instance), you could get a discount for adding wind mitigation features to your home. Stacking home insurance discounts could mean significant savings on your home insurance premium — and more money back in your pocket. Be sure to ask your insurance agent about all available discounts you qualify for to make sure you don’t miss out on savings opportunities. Raising your insurance deductible may also result in a cheaper premium, but be cautious not to raise it too high. It is important that your deductible remains at a level you can reasonably afford to pay out at the drop of a hat.

Related content

Cheapest homeowners insurance Previously Read

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Average homeowners insurance cost Previously Read

Best companies for bundling home and auto insurance.

Bundling home and auto insurance  means you are buying both policies from the same company. Most companies offer a discount on both auto and home policies (and sometimes other policies as well) as an incentive to policyholders. This has the potential to make both policies cheaper than if you were to purchase the policies from two separate insurance companies. To help give you an idea of how much you could potentially save by bundling policies, we checked each carrier’s website or contacted them to see how significant each company’s bundling discount could be.

Keep in mind that the best carrier for you will depend on your individual needs and preferences. In some cases, homeowners can find lower rates by keeping their home and auto policies with different insurance providers. One way to find the right fit is to make a list of the features you are looking for in both your home and auto insurance policies. Then, you can get quotes from several carriers that might match your needs.

Signs show that our red-hot inflation could be cooling, but the economic situation remains uncertain. According to Bankrate’s 2024 Annual Emergency Savings Report , about 30 percent of American adults have more money saved compared to last year.

Still, some homeowners may try to cut costs by scaling back on their home insurance , but this can be a risky financial move. According to proprietary premium data from Quadrant Information Services, the 2024 national average homeowners insurance rate for $300,000 in dwelling coverage rose to $2,285 per year. However, rates in some states have risen more than in others. For instance, many Florida homeowners have faced significantly higher rates. By choosing lower coverage limits, homeowners could get a cheaper premium — albeit at the cost of exposing themselves to greater financial risk.

Historic labor shortages and inflation are some of the post-pandemic woes plaguing the home insurance market. An increased frequency of extreme weather events , high reinsurance costs, excessive litigation and, in some states, rising insurance fraud are also factors. While shopping for a lower home insurance quote may still be worthwhile, finding a lower rate could take more work than in years past.

Bankrate continually monitors homeowners insurance rate trends to give our readers information they can use to make empowered, informed decisions about their policies. We also asked industry experts to shed some light on the current market and to provide tips that consumers might use to ease some of the pressure they may feel when receiving their policy renewal this year.

Industry experts weigh in 

With climate change comes an increasing rate of natural disasters. will these catastrophic events impact average rates across the board, even in areas that didn’t experience the disaster.

Mark Friedlander

Kenneth Chavis IV

Director of corporate communications, Insurance Information Institute

“Rising homeowners insurance costs across the U.S. since the pandemic began in 2020 have been driven by a combination of general inflation, replacement-cost inflation due to supply chain issues and labor shortages that increase home repair and replacement costs (55 percent cumulative increase from 2020 through 2022, nearly four times the U.S. inflation rate during the same period) and losses related to natural disasters, which vary by state. Consumers and policymakers should be cognizant of the dynamics underlying these price shifts and understand why insurers must be forward-looking in their approach to pricing these policies. Average home insurance premiums rose consistently from 2001 to 2021, according to a study conducted by the Insurance Research Council (IRC). These costs surpassed household income growth, leading to decreased affordability among U.S. consumers. As expected, disaster-prone states have the least affordable home insurance — the IRC ranks Florida as the least affordable market in the country. Also embedded in the rising costs of insurance is legal system abuse, which includes false claims of damage to homes. This has been a common issue in disaster-prone areas, where fraudulent claims of roof damage, in particular, dramatically increase the costs of insurance for all consumers. Legal system abuse will be a factor in losses incurred during this year's hurricane and wildfire seasons.”

Senior wealth advisor at Versant Capital Management

"Any consumer in the market to buy a home should get quotes for the home they are considering, understand covered events including coverage limits, and research trends and news related to the homeowners insurance markets in the area. I would also ask insurers their assessment of the risk in the area to homes for certain covered events and how this is trending. For those who expect to be in the home for a longer time period of time, consider understanding how the new area, city or state you are moving to fits into the broader climate change projections over the next 30-50 years as this may impact future homeowners insurance costs or coverage availability."

What is homeowners insurance and how does it work?

Homeowners insurance is an agreement between you, the homeowner, and an insurance company. You agree to pay a certain amount — the policy premium — in exchange for the coverage outlined in your policy. Your policy is broken down into individual coverage types, including dwelling coverage (for your home and attached structures), other structures (structures on your property not attached to your house), personal property coverage (for your belongings) and medical and liability coverage (for your liability exposures).

If you have an HO-3 or HO-5 policy, which are the most common types of policies, your policy covers the structure of your home for any type of damage that isn’t specifically excluded, like floods or earthquakes. HO-3 policies provide personal property coverage for 16 named perils , while HO-5 policies are open peril policies, meaning it also covers your property for anything that isn’t specifically excluded. If you are faced with a sudden and unexpected expense, such as a fire, damage from a windstorm or lawsuit over injuries sustained on your property, your home insurance may step in to help you cover the financial fallout.

Do I need home insurance?

Unlike car insurance , homeowners insurance is not a legal requirement in any state. However, if you have a mortgage or any other home loan, your lender will almost certainly require you to maintain coverage (at least until your home is fully paid for). However, owning your home outright doesn’t necessarily mean you don’t need homeowners insurance. After all, your home may be the most significant investment you make in your lifetime, and an uninsured loss could potentially have devastating consequences.

Additionally, homeowners insurance typically provides financial protection if someone hurts themselves on your property and sues you in the form of personal liability insurance . This coverage may help shield you from out-of-pocket expenses, wage garnishment or retirement liquidation if you don’t have the cash to pay a court-ordered settlement. Although homeowners insurance is a personal choice if you fully own your home, most insurance and finance professionals agree that it's typically a good idea to have.

Which home insurance company has the highest customer satisfaction?

To measure customer satisfaction, we looked at ratings from J.D. Power and the NAIC complaint index. By those two metrics, Erie and Amica receive the highest marks for customer satisfaction. Erie took the top spot in the J.D. Power 2023 U.S. Home Insurance Study for customer satisfaction, scoring 856 out of a possible 1,000 points. Amica trailed closely behind with a score of 844. Both providers had low NAIC complaint indexes for home insurance as well: Erie’s is 0.50 and Amica’s is slightly lower at 0.33. Both insurers also ranked above average in J.D. Power’s 2024 U.S. Property Claims Satisfaction Study.

Although USAA is technically not ranked in J.D. Power studies because of its strict eligibility requirements, it is a consistent high scorer. In the 2023 U.S. Home Insurance Study, USAA earned the highest score of 881/1,000. Additionally, its NAIC complaint index sits below average at just 0.49, and it scored above the segment average in the Property Claims Satisfaction Study.

Reviewing third-party ratings can be an effective way to determine how good a provider’s customer service is, but it does not have to stop there. If your co-worker, neighbor, in-laws or friends use a particular insurance company, it can be helpful to get their opinions, as well.

What is the average cost of home insurance?

The national average cost of homeowners insurance is $2,285 for $300K worth of dwelling coverage. You may pay more or less for home insurance based on your location, square footage, claim history, coverage selection and several other rating factors. When shopping for a new home policy, make sure your coverage types, limits and deductibles match your existing policy for a true apples-to-apples comparison.

How do I file a home insurance claim?

The exact steps of filing a home insurance claim may vary depending on your carrier and type of claim, but in general, these are the steps you can expect to follow after an accident when filing a home insurance claim :

• File a police report, if needed. Depending on the type of incident that has occurred, you may want to file a police report. If you’ve done this already, your insurance company may ask for the police report number as well.
• Notify your insurance company. Many insurance companies now offer the option to file a claim online or through their mobile app, but you can also call the claims hotline or reach out to your insurance agent.
• Document the damages. Take as many pictures as you can of the incident. You may also want to obtain security camera footage, if available, as well as speak to others who could serve as witnesses.
• Minimize future damage. Depending on the severity of the incident, take appropriate actions to prevent further loss . Temporary repairs — such as boarding up windows, covering roofs and openings with plastic sheeting and moving items to a more secure location — are usually reimbursed by your insurer since it saves them money in the long run.

Bankrate utilizes Quadrant Information Services to analyze September 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:

Dwelling coverage

Other structures coverage

Personal property coverage

Loss of use coverage

Liability coverage

Medical payment coverage

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Additional profiles:

• Coverage A, Dwelling:  $150,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures:  $15,000, $35,000, $45,000, &75,000
• Coverage C, Personal Property:  $75,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use:  $30,000, $70,000, $90,000, $150,000
• Coverage E, Liability:  $500,000
• Coverage F, Medical Payments:  $1,000

Bankrate Scores

• Cost & ratings 50%
• Coverage & savings 30%
• Support 20%

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings):  To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from  J.D. Power ,  AM Best , Demotech and the  NAIC , were analyzed.
• Tier 2 (Coverage & savings):  We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support):  To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from  S&P  and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Compare rates and save on home insurance today!

Kuzbass, Russia

Essential kuzbass.

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Book/Printed Material Kuzbas. A Bulletin devoted to the Affairs of the Industrial Colony Kuzbas. Vol.2, No 3.

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About this Item

• Kuzbas. A Bulletin devoted to the Affairs of the Industrial Colony Kuzbas. Vol.2, No 3.
• The "Kuzbass" autonomous industrial colony was created in 1921. It was organized by American workers, who took on the obligation of inviting from the United States and Western Europe some eight thousand skilled workers and specialists to industrialize the Kuzbass. The Soviet government turned over to the colonists a number of Kemerovo mine shafts and an unfinished coking plant. To recruit volunteers to work in Siberia, a "Kuzbass Bureau" was opened in the middle of New York City, and an information bulletin began to be published in the United States. Between January 1922 and December 1923, however, only 566 persons arrived for work in the Kuzbass. The colonists included emigrants from America, Canada, the Netherlands, France, Australia, Jamaica, Indonesia, and other countries as well. World Digital Library.

Source Collection

• Documents and Photographs from the Kuzbass Autonomous Industrial Society
• https://hdl.loc.gov/loc.ndlpcoop/mtfxtx.wkm0082

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Online format, lccn permalink.

• https://lccn.loc.gov/2018687249

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• MARCXML Record
• MODS Record
• Dublin Core Record

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• Manifest (JSON/LD)
• Documents and Photographs from the Kuzbass Autonomous Industrial Society (199)
• Kemerovo Oblast Museum of Regional History and Folklife (302)
• World Digital Library (19,407)
• Meeting of Frontiers (19,661)
• Library of Congress Online Catalog (1,582,596)
• Book/Printed Material
• Kemerovo Oblast
• Russian Federation
• Prosveshchenie

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The Library of Congress is unaware of any copyright or other restrictions in the World Digital Library Collection. Absent any such restrictions, these materials are free to use and reuse. Researchers are encouraged to review the source information attached to each item. For information on contacting WDL partner organizations, see this archived list of partners

The Library asks that researchers approach the materials in this collection with respect for the culture and sensibilities of the people whose lives, ideas, and creativity are documented here.

Credit Line: [Original Source citation], World Digital Library

More about Copyright and other Restrictions

For additional information and contact information for many of the partner organizations, see this archived capture of the World Digital Library site from 2021.

For guidance about compiling full citations consult Citing Primary Sources .

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Citations are generated automatically from bibliographic data as a convenience, and may not be complete or accurate.

Chicago citation style:

Kuzbas. A Bulletin devoted to the Affairs of the Industrial Colony Kuzbas. Vol.2, No 3 . [New York: publisher not identified, 30 avgusta g, 1923] Pdf. https://www.loc.gov/item/2018687249/.

APA citation style:

(1923) Kuzbas. A Bulletin devoted to the Affairs of the Industrial Colony Kuzbas. Vol.2, No 3 . [New York: publisher not identified, 30 avgusta g] [Pdf] Retrieved from the Library of Congress, https://www.loc.gov/item/2018687249/.

MLA citation style:

Kuzbas. A Bulletin devoted to the Affairs of the Industrial Colony Kuzbas. Vol.2, No 3 . [New York: publisher not identified, 30 avgusta g, 1923] Pdf. Retrieved from the Library of Congress, <www.loc.gov/item/2018687249/>.

Novokuznetsk

Demographics

City administration, administrative and municipal status, administrative bodies, transportation, twin towns and sister cities, notable people, external links.

It was previously known as Kuznetsk until 1931, and as Stalinsk until 1961.

Founded in 1618 by men from Tomsk as a Cossack ostrog (fort) on the Tom River , it was initially called Kuznetsky ostrog ( Кузне́цкий острог ). [2] It became the seat of Kuznetsky Uyezd in 1622. [3] Kuznetsk ( Кузне́цк ) was granted town status in 1689. [3] It was here that Fyodor Dostoevsky married his first wife, Maria Isayeva in 1857. [13] Joseph Stalin 's rapid industrialization of the Soviet Union transformed the sleepy town into a major coal mining and industrial center in the 1930s. It merged with Sad Gorod in 1931. From 1931 to 1932, the city was known as Novokuznetsk and between 1932 and 1961 as Stalinsk ( Ста́линск ), after Stalin. As a result of de-Stalinization , it was renamed back to Novokuznetsk .

As of the 2021 Census , the ethnic composition of Novokuznetsk was: [14]

Ethnic group Population Percentage 438,507 95.5% 3,450 0.8% 2,533 0.6% Other 14,919 3.2% Within the framework of administrative divisions , Novokuznetsk serves as the administrative center of Novokuznetsky District , even though it is not a part of it. [1] As an administrative division, it is incorporated separately as the Novokuznetsk City Under Oblast Jurisdiction —an administrative unit with the status equal to that of the districts . [15] As a municipal division , Novokuznetsk City Under Oblast Jurisdiction is incorporated as the Novokuznetsky Urban Okrug . [15] [16] The city consists of six non-municipal intra-city districts : [16] District Area, km Population (2021) 109.10 92,620 36.11 46,932 92.49 75,174 22.49 77,593 95.62 78,533 66.52 166,628 On 7 December 2009, by a resolution of the Novokuznetsk City Council of People's Deputies, a new version of the City Charter was approved, [16] according to which the authorities consist of: Novokuznetsk City Council of People's Deputies (representative authority), Mayors of the city of Novokuznetsk, Administration of the City of Novokuznetsk (executive and administrative authority), City Control Committee (permanent body of financial control), Judicial institutions: district courts, courts of general jurisdiction, the Russian Agency for Legal and Judicial Information, the permanent judicial presence of the Kemerovo Oblast Court, judicial divisions of magistrates, and others. [18] The Novokuznetsk City Council of People's Deputies is a representative body of power and consists of 18 deputies elected in 18 single-mandate constituencies and 18 deputies elected on party lists. The term of office of deputies is five years. In September 2021, elections were held for the Council of People's Deputies, following which the seats in the council were distributed as follows: 27 - United Russia , 2 - Liberal Democratic Party , 2 - A Just Russia , 2 - Communist Party . The representative of United Russia, Alexandra Shelkovnikova, was elected chairman. The Youth Parliament of the city operates under the City Council of People's Deputies. [19] A whole network of bodies of territorial public self-government has been created in Novokuznetsk; [20] in total, 60 of them have been created in the city: in the Zavodskoy District - 7, Kuznetsky - 6, Kuibyshevsky - 13, [21] [22] [23] Novoilyinsky - 6, Ordzhonikidzevsky - 9, Central - 16. Siberian State Industrial University Novokuznetsk branch of Kemerovo State University State Institute for Physicians Postgraduate Training (also known as Novokuznetsk Postgraduate Physician Institute), Russian Ministry of Health Novokuznetsk Scientific Center of Medicosocial Expert Evaluation and Rehabilitation of Invalids, Federal Agency for Public Health and Social welfare Institute of General Problems of Hygiene and Occupational Diseases, Russian Academy of Medical Sciences Kuzbass institute Federal Penitentiary Service Novokuznetsk is a heavily industrial city and is located in the heart of the Kuzbass region . Factories in the city include: West-Siberian Metal Plant Novokuznetsk Iron and Steel Plant Kuznetsk Ferroalloys   [ ru ] Novokuznetsk aluminium factory   [ ru ] Metallurg Novokuznetsk is an ice hockey team based in Novokuznetsk. Formerly a member of the Kontinental Hockey League , the team is currently a member of the Supreme Hockey League . The football team of the same name was recently promoted to the Russian first division below the premier. RC Novokuznetsk compete in the Professional Rugby League , the highest division of rugby union in Russia. Florida Panthers goaltender Sergei Bobrovsky , Carolina Hurricanes defenseman Dmitry Orlov and Minnesota Wild winger Kirill Kaprizov were all born in Novokuznetsk and began their pro careers with Metallurg Novokuznetsk. Novokuznetsk is also the birthplace of US chess Grandmaster Gata Kamsky . The main airport is the Spichenkovo Airport . The city is also a major railway junction with both local and long-distance trains. Local public transport is provided by trams , buses, and trolleybuses. Novokuznetsk has a fairly typical southwest Siberian humid continental climate ( Köppen climate classification : Dfb ) with warm summers during which most of the precipitation occurs, and severe, generally dry winters. Snowfall is very frequent during the winter, but its water content is generally very low due to the cold temperatures. Climate data for Novokuznetsk (1991–2020, extremes 1955–present) Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Year Record high °C (°F) 4.2 (39.6) 7.9 (46.2) 18.3 (64.9) 30.6 (87.1) 34.8 (94.6) 36.7 (98.1) 36.0 (96.8) 35.9 (96.6) 34.7 (94.5) 24.9 (76.8) 17.4 (63.3) 7.3 (45.1) 36.7 (98.1) Mean daily maximum °C (°F) −10.9 (12.4) −6 (21) 1.3 (34.3) 11.8 (53.2) 19.2 (66.6) 24.5 (76.1) 25.5 (77.9) 24.1 (75.4) 16.8 (62.2) 9.1 (48.4) −2.5 (27.5) −8.6 (16.5) 8.7 (47.7) Daily mean °C (°F) −15.9 (3.4) −12.9 (8.8) −5.2 (22.6) 4.2 (39.6) 11.5 (52.7) 17.0 (62.6) 19.0 (66.2) 16.5 (61.7) 9.9 (49.8) 3.0 (37.4) −6.5 (20.3) −13.2 (8.2) 2.3 (36.1) Mean daily minimum °C (°F) −20.5 (−4.9) −18.2 (−0.8) −10.9 (12.4) −3.0 (26.6) 4.0 (39.2) 9.1 (48.4) 12.5 (54.5) 9.5 (49.1) 4.6 (40.3) −1.7 (28.9) −10.0 (14.0) −17.5 (0.5) −3.5 (25.7) Record low °C (°F) −47.7 (−53.9) −42.2 (−44.0) −33.9 (−29.0) −26.1 (−15.0) −8.9 (16.0) −2.1 (28.2) 2.2 (36.0) 0.2 (32.4) −6.7 (19.9) −23.0 (−9.4) −37.7 (−35.9) −42.8 (−45.0) −47.7 (−53.9) Average mm (inches) 25 (1.0) 17 (0.7) 19 (0.7) 28 (1.1) 43 (1.7) 56 (2.2) 73 (2.9) 62 (2.4) 42 (1.7) 38 (1.5) 40 (1.6) 31 (1.2) 474 (18.7) Average rainy days 0.4 0 2 9 15 16 16 15 14 11 4 1 103 Average snowy days 20 18 15 11 3 0.1 0 0 1 11 19 23 121 Average (%) 81 78 74 66 60 68 73 75 75 77 82 82 74 Source: Pogoda.ru.net Novokuznetsk is twinned with: Sergei Abramov , ice hockey player Sergei Bobrovsky (born 1988), ice hockey player Margarita Chernousova (born 1996), a sport shooter Maksim Chevelev (born 1990), professional football player Evgeny Chigishev (born 1979), a former weightlifter and Olympic silver medalist Andrey Dementyev (born 1970), a former professional football player Kirill Kaprizov (born 1997), ice hockey player Maxim Kitsyn (born 1991), a professional ice hockey player Ana Kriégel , Russian-born Irish murder victim Anna Litvinova (1983–2013), a fashion model and beauty pageant title holder Aleksandr Melikhov (born 1998), a professional football player Kostyantyn Milyayev (born 1987), a Ukrainian Olympic platform diver Vadim Mitryakov (born 1991), a professional ice hockey player Nikita Morgunov (born 1975), a former professional basketball player Albert Nasibulin (born 1972), a material scientist Dmitry Orlov (born 1991), ice hockey player Maksim Pichugin (born 1974), a Winter Olympic cross-country skier Anton Rekhtin (born 1989), a professional ice hockey player Artyom Sapozhkov (born 1990), a former professional football player Stanislav Sel'skiy (born 1991), a rugby union player Denis Simplikevich (born 1991), a rugby union player Kirill Skachkov (born 1987), an Olympic table tennis player Denis Stasyuk (born 1985), ice hockey player Daniil Tarasov (born 1999), ice hockey player Ivan Telegin (born 1992), ice hockey player and Winter Olympic gold medalist Arkady Vainshtein (born 1942), a Russian-American theoretical physicist Vladimir Vilisov (born 1976), a Winter Olympic cross-country skier Maxim Zyuzyakin (born 1991), a professional ice hockey player Pavel Silyagin (born 1993), professional boxer Related Research Articles Prokopyevsk is a city in Kemerovo Oblast, Russia. Population: 210,130 (2010 Russian census) ; 224,597 (2002 Census) ; 273,838 (1989 Soviet census) . Osinniki , known until 1938 as Osinovka , is a town in Kemerovo Oblast, Russia. Population: 46,001 (2010 Russian census) ; 51,057 (2002 Census) ; 62,687 (1989 Soviet census) . Mariinsk is a town in Kemerovo Oblast, Russia, where the Trans-Siberian Railway crosses the Kiya River, 180 kilometers (110 mi) northeast of Kemerovo, the administrative center of the oblast. Population: 40,526 (2010 Russian census) ; 42,977 (2002 Census) ; 40,956 (1989 Soviet census) ; 39,700 (1972). Anzhero-Sudzhensk is a town in the Kuznetsk Basin in Kemerovo Oblast, Russia, located to the north of the oblast's administrative center of Kemerovo and to the east of the Tom River, on the route of the Trans-Siberian Railway. Population: 76,646 (2010 Russian census) ; 86,480 (2002 Census) ; 107,951 (1989 Soviet census) . Leninsk-Kuznetsky , known as Kolchugino until 1925, is a city in Kemerovo Oblast, Russia, located on both banks of the Inya River. Population: 101,666 (2010 Russian census) ; 112,253 (2002 Census) ; 165,487 (1989 Soviet census) ; 128,000 (1972); 83,000 (1939); 20,000 (1926). Guryevsky District is an administrative district (raion), one of the nineteen in Kemerovo Oblast, Russia. As a municipal division, it is incorporated as Guryevsky Municipal District . It is located in the west of the oblast and borders with Prokopyevsky, Belovsky, and Leninsk-Kuznetsky Districts of Kemerovo Oblast and with Altai Krai and Novosibirsk Oblast in the west. The area of the district is 2,180 square kilometers (840 sq mi). Its administrative center is the town of Guryevsk. Population: 10,617 (2010 Russian census) ; 12,057 ; 20,816 (1989 Soviet census) . Yurga is a town in Kemerovo Oblast, Russia, located on the Tom River and the Trans-Siberian Railway. Population: 81,533 (2010 Russian census) ; 85,555 (2002 Census) ; 93,202 (1989 Soviet census) . Tashtagol is a town in Kemerovo Oblast, Russia, located on the Kondoma River 511 kilometers (318 mi) south of Kemerovo, the administrative center of the oblast. Topki is a town in Kemerovo Oblast, Russia, located 38 kilometers (24 mi) west of Kemerovo, the administrative center of the oblast. Population: 28,641 (2010 Russian census) ; 31,004 (2002 Census) ; 33,574 (1989 Soviet census) . Beryozovsky is a town in Kemerovo Oblast, Russia, located between the Barzas and Shurap Rivers, 27 kilometers (17 mi) north of Kemerovo, the administrative center of the oblast. Population: 47,279 (2010 Russian census) ; 48,299 (2002 Census) ; 51,250 (1989 Soviet census) . Belovsky District is an administrative district (raion), one of the nineteen in Kemerovo Oblast, Russia. As a municipal division, it is incorporated as Belovsky Municipal District . It is located in the center of the oblast. The area of the district is 3,400 square kilometers (1,300 sq mi). Its administrative center is the rural locality of Vishnevka. Population: 30,204 (2010 Russian census) ; 33,382 ; 25,815 (1989 Soviet census) . Chebulinsky District is an administrative district (raion), one of the nineteen in Kemerovo Oblast, Russia. As a municipal division, it is incorporated as Chebulinsky Municipal District . It is located in the north of the oblast. The area of the district is 3,780 square kilometers (1,460 sq mi). Its administrative center is the urban locality of Verkh-Chebula. Population: 16,348 (2010 Russian census) ; 17,971 ; 17,723 (1989 Soviet census) . The population of Verkh-Chebula accounts for 31.0% of the district's total population. Leninsk-Kuznetsky District is an administrative district (raion), one of the nineteen in Kemerovo Oblast, Russia. As a municipal division, it is incorporated as Leninsk-Kuznetsky Municipal District . It is located in the west of the oblast. The area of the district is 2,356 square kilometers (910 sq mi). Its administrative center is the city of Leninsk-Kuznetsky. Population: 23,760 (2010 Russian census) ; 27,825 ; 29,752 (1989 Soviet census) . Novokuznetsky District is an administrative district (raion), one of the nineteen in Kemerovo Oblast, Russia. As a municipal division, it is incorporated as Novokuznetsky Municipal District . It is located in the center of the oblast and spans it from border to border in the southwest-northeast direction. The area of the district is 13,039.5989 square kilometers (5,034.6173 sq mi). Its administrative center is the city of Novokuznetsk. As of the 2010 Census, the total population of the district was 50,681. Prokopyevsky District is an administrative district (raion), one of the nineteen in Kemerovo Oblast, Russia. As a municipal division, it is incorporated as Prokopyevsky Municipal District . It is located in the center of the oblast. The area of the district is 3,450 square kilometers (1,330 sq mi). Its administrative center is the city of Prokopyevsk. Population: 31,442 (2010 Russian census) ; 33,705 ; 35,657 (1989 Soviet census) . Promyshlennovsky District is an administrative district (raion), one of the nineteen in Kemerovo Oblast, Russia. As a municipal division, it is incorporated as Promyshlennovsky Municipal District . It is located in the west of the oblast. The area of the district is 3,083 square kilometers (1,190 sq mi). Its administrative center is the urban locality of Promyshlennaya. Population: 50,106 (2010 Russian census) ; 50,125 ; 47,150 (1989 Soviet census) . The population of Promyshlennaya accounts for 36.0% of the district's total population. Topkinsky District is an administrative district (raion), one of the nineteen in Kemerovo Oblast, Russia. As a municipal division, it is incorporated as Topkinsky Municipal District . It is located in the northwest of the oblast. The area of the district is 2,774 square kilometers (1,071 sq mi). Its administrative center is the town of Topki. Population: 16,246 (2010 Russian census) ; 18,077 ; 19,018 (1989 Soviet census) . Tyazhinsky District is an administrative district (raion), one of the nineteen in Kemerovo Oblast, Russia. As a municipal division, it is incorporated as Tyazhinsky Municipal District . It is located in the northeast of the oblast. The area of the district is 3,531 square kilometers (1,363 sq mi). Its administrative center is the urban locality of Tyazhinsky. Population: 25,597 (2010 Russian census) ; 32,782 ; 32,574 (1989 Soviet census) . The population of the administrative center accounts for 43.4% of the district's total population. Yaysky District is an administrative district (raion), one of the nineteen in Kemerovo Oblast, Russia. As a municipal division, it is incorporated as Yaysky Municipal District . It is located in the north of the oblast. The area of the district is 2,669 square kilometers (1,031 sq mi). Its administrative center is the urban locality of Yaya. Population: 20,383 (2010 Russian census) ; 24,982 ; 26,759 (1989 Soviet census) . The population of Yaya accounts for 57.3% of the district's total population. Krasnobrodsky is an urban locality in Kemerovo Oblast, Russia. Population: 11,919 (2010 Russian census) ; 11,859 (2002 Census) ; 12,663 (1989 Soviet census) . 1 2 3 4 5 6 Law #215-OZ 1 2 3 "Review of City History" . Official site of Novokuznetsk municipal administration (in Russian). admnkz.ru. Archived from the original on March 28, 2017 . Retrieved October 5, 2012 . ↑ http://www.kem.kp.ru/daily/26136.7/3026076/Сергей%5B%5D Кузнецов вступает в должность главы Новокузнецка ↑ Russian Federal State Statistics Service (2011). Всероссийская перепись населения 2010 года. Том   1 [ 2010 All-Russian Population Census, vol.   1 ] . Всероссийская перепись населения 2010   года [2010 All-Russia Population Census] (in Russian). Federal State Statistics Service . 1 2 3 Law #104-OZ ↑ "Об исчислении времени" . Официальный интернет-портал правовой информации (in Russian). June 3, 2011 . Retrieved January 19, 2019 . ↑ Почта России. Информационно-вычислительный центр ОАСУ РПО. ( Russian Post ). Поиск объектов почтовой связи ( Postal Objects Search ) (in Russian) ↑ Russian Federal State Statistics Service. Всероссийская перепись населения 2020 года. Том 1 [ 2020 All-Russian Population Census, vol. 1 ] (XLS) (in Russian). Federal State Statistics Service . ↑ Federal State Statistics Service (May 21, 2004). Численность населения России, субъектов Российской Федерации в составе федеральных округов, районов, городских поселений, сельских населённых пунктов   – районных центров и сельских населённых пунктов с населением 3   тысячи и более человек [ Population of Russia, Its Federal Districts, Federal Subjects, Districts, Urban Localities, Rural Localities—Administrative Centers, and Rural Localities with Population of Over 3,000 ] (XLS) . Всероссийская перепись населения 2002   года [All-Russia Population Census of 2002] (in Russian). ↑ Всесоюзная перепись населения 1989   г. Численность наличного населения союзных и автономных республик, автономных областей и округов, краёв, областей, районов, городских поселений и сёл-райцентров [ All Union Population Census of 1989: Present Population of Union and Autonomous Republics, Autonomous Oblasts and Okrugs, Krais, Oblasts, Districts, Urban Settlements, and Villages Serving as District Administrative Centers ] . Всесоюзная перепись населения 1989   года [All-Union Population Census of 1989] (in Russian). Институт демографии Национального исследовательского университета: Высшая школа экономики [Institute of Demography at the National Research University: Higher School of Economics]. 1989 – via Demoscope Weekly . ↑ "F. M. Dostoevsky Literary-Memorial Museum in Novokuznetsk" . Fyodor Dostoevsky Literary Memorial Museum. Archived from the original on March 3, 2016 . Retrieved October 17, 2012 . ↑ "Территориальный орган Федеральной службы государственной статистики по Кемеровской области - Кузбассу" . Retrieved May 24, 2023 . 1 2 "ОБ АДМИНИСТРАТИВНО-ТЕРРИТОРИАЛЬНОМ УСТРОЙСТВЕ КЕМЕРОВСКОЙ ОБЛАСТИ (с изменениями на: 29.03.2017), Закон Кемеровской области от 27 декабря 2007 года №215-ОЗ" [ ON THE ADMINISTRATIVE AND TERRITORIAL STRUCTURE OF THE KEMEROV OBLAST (as amended on: 29/03/2017), Law of the Kemerovo Oblast dated 27 December 2007 No. 215-OZ ] (in Russian). docs.cntd.ru. Archived from the original on June 24, 2019 . Retrieved August 1, 2019 . 1 2 3 "Устав города Новокузнецка" [ Charter of the city of Novokuznetsk ] (in Russian). Official website of the administration of Novokuznetsk (admnkz.ru). Archived from the original on October 17, 2012 . Retrieved January 4, 2013 . ↑ "О внесении изменений и дополнений в Устав Новокузнецкого городского округа" [ About modification and additions in the Charter of the Novokuznetsk city district ] . gigabaza.ru/ (in Russian). April 29, 2016. Archived from the original on August 1, 2019 . Retrieved August 1, 2019 . ↑ "Cправочник организаций Новокузнецка" [ Directory of Novokuznetsk organizations ] . novokuznetsk.jsprav.ru (in Russian). Archived from the original on August 1, 2019 . Retrieved August 1, 2019 . ↑ "Молодёжный парламент города Новокузнецка — общая информация" [ Youth Parliament of the city of Novokuznetsk - general information ] (in Russian). newparlament.ru. Archived from the original on July 13, 2013 . Retrieved July 13, 2013 . ↑ "Избранные депутаты и глава получили от населения лишь часть полномочий" [ Elected deputies and the head received only part of the powers from the population ] (in Russian). i2n.ru. October 25, 2010. Archived from the original on July 13, 2014 . Retrieved January 4, 2013 . ↑ Kuznetsky Rabochy , 2008, № 148 ↑ Kuznetsky Rabochy , 2009, № 16 ↑ Kuznetsky Rabochy , 2009, № 59 ↑ Климат Новокузнецка (in Russian). Погода и климат. Archived from the original on January 6, 2019 . Retrieved November 5, 2021 . Совет народных депутатов Кемеровской области.   Закон   №215-ОЗ   от   27 декабря 2007 г. «Об административно-территориальном устройстве Кемеровской области», в ред. Закона №131-ОЗ от   22 декабря 2014 г.   «О внесении изменений в Закон Кемеровской области "О статусе и границах муниципальных образований" и Закон Кемеровской области "Об административно-территориальном устройстве Кемеровской области"». Вступил в силу   в день, следующий за днём официального опубликования. Опубликован: "Кузбасс", №243, 28 декабря 2007 г. (Council of People's Deputies of Kemerovo Oblast.   Law   # 215-OZ   of   December   27, 2007 On the Administrative-Territorial Structure of Kemerovo Oblast , as amended by the Law   # 131-OZ of   December   22, 2014 On Amending the Law of Kemerovo Oblast "On the Status and the Borders of the Municipal Formations" and the Law of Kemerovo Oblast "On the Administrative-Territorial Structure of Kemerovo Oblast" . Effective as of   the day following the official publication date.). Совет народных депутатов Кемеровской области.   Закон   №104-ОЗ   от   17 декабря 2004 г. «О статусе и границах муниципальных образований», в ред. Закона №123-ОЗ от   22 декабря 2015 г.   «О внесении изменений в Закон Кемеровской области "О статусе и границах муниципальных образований"». Вступил в силу   со дня официального опубликования. Опубликован: "Кузбасс", №242, 24 декабря 2004 г. (Council of People's Deputies of Chelyabinsk Oblast.   Law   # 104-OZ   of   December   17, 2004 On the Status and the Borders of the Municipal Formations , as amended by the Law   # 123-OZ of   December   22, 2015 On Amending the Law of Kemerovo Oblast "On the Status and the Borders of the Municipal Formations" . Effective as of   the official publication date.). (in Russian) Official website of Novokuznetsk Siberian State Industrial University (SIBSIU) (in Russian) Life in Novokuznetsk (in Russian) Informational website of Novokuznetsk : • Administrative districts Cities and towns 137 IMAGES Insurance For Homeworkers from Clifford Lane Associates Home Workers Insurance Quotes and Cover Learn How To Get Your Homeowners Insurance To Work For You Working From Home and Home Insurance: What You Need To Know Homeworkers Insurance Homeowners Insurance Claim VIDEO #youtubeshorts #warkfromhome #youtubevideo #homeworkers #ytchannel #youtuber #workfromhomelife #retaired #love #homeworkers #students #others #youtubeshorts #warkfromhome #youtubevideo #homeworkers #ytchannel #youtuber parttime workfromhome inopportunity6303050315 #youtubeshorts #youtubevideo #homeworkers #youtub# like for lik #youtubeshorts #warkfromhome #youtubevideo #homeworkers #ytchannel #youtuber # life for like #youtubeshorts #warkfromhome #youtubevideo #homeworkers #ytchannel #youtuber #part-time #full-time COMMENTS Comprehensive Homeworker Insurance NFU Mutual Bespoke Home Insurance: from £10 million. 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It was organized by American workers, who took on the obligation of inviting from the United States and Western Europe some eight thousand skilled workers and specialists to industrialize the Kuzbass. The Soviet government turned over to the colonists a number of Kemerovo mine shafts and an unfinished coking plant. To recruit ... Novokuznetsk It is located in the center of the oblast and spans it from border to border in the southwest-northeast direction. The area of the district is 13,039.5989 square kilometers (5,034.6173 sq mi). Its administrative center is the city of Novokuznetsk. As of the 2010 Census, the total population of the district was 50,681. assignment essay homework paper phd report resume review thesis