Homeowners Insurance by State
Coverage gaps, perils, and carrier insights for where you live. Pick your state to see the policy quirks insurers don't advertise — and how to fix them.
- Hail Wildfire
Colorado
#1 — u.s. hail-claim rank
Colorado leads the U.S. in hail claims. See what your policy really covers, the wind/hail deductible trap, and how to cut premium safely.
- Hail Freeze
Illinois
Top 10 — hail-loss states
Illinois ranks top-10 nationally for hail losses. Find silent coverage gaps in Chicago, Aurora, Peoria and Springfield homeowners policies.
- Hail Freeze
Indiana
15–25 — severe-hail days/year
Indiana homeowners face hail, deep freezes, and rising water-damage claims. Find silent gaps in Indianapolis, Fort Wayne and Evansville policies.
- Hail Freeze
Kansas
#1 — severe-hail frequency
Kansas leads the U.S. in severe-hail frequency. Learn the wind/hail deductible math and silent gaps in Wichita, Topeka and KC policies.
- Hail Freeze
Kentucky
Top 10 — tornado states
Kentucky homeowners face tornadoes, spring storms and burst-pipe winters. Find silent gaps in Louisville, Lexington and Bowling Green policies.
- Hail Freeze
Michigan
#1 — top claim category
Michigan winters drive most homeowner claims — burst pipes and ice dams lead. Find gaps in Detroit, Grand Rapids and Lansing policies.
- Hail Freeze
Nebraska
Top 5 — severe-hail states
Nebraska ranks top-5 for severe hail. See what your policy covers in Lincoln, Omaha and the Panhandle — and fix gaps before storm season.
- Hail Wildfire
New Mexico
WUI — wildfire-risk tier
Post-megafire New Mexico is one of the toughest markets in the West. Find wildfire and hail gaps in Albuquerque, Santa Fe and Las Cruces.
- Hail Freeze
Ohio
Top 15 — hail-loss states
Ohio homeowners face spring hail, hard freezes and ice dams. Find silent gaps in Columbus, Cleveland, Cincinnati and Dayton policies.
- Hail Wildfire
Utah
Top 15 — hail-loss states
Utah's Wasatch Front faces hail plus growing wildfire risk. Fix silent gaps in Salt Lake, Provo, Ogden and St. George policies.
- Hail Wildfire
Wyoming
Top 10 — hail-loss states
Wyoming homeowners face hail, high wind, and growing wildfire risk. Find the silent gaps in Cheyenne, Casper, and Laramie policies.
Don't see your state?
Our free policy review works for any U.S. homeowner. Upload your declarations page and we'll flag every gap — no matter where you live.
Frequently asked questions
- Why does homeowners insurance vary so much by state?
- Each state has unique perils — hail, wildfire, hurricanes, freezes — and its own regulations around deductibles, roof endorsements, and exclusions. Two identical homes in different states can have very different policies and premiums.
- Do I need a state-specific policy?
- Your policy must be written by a carrier licensed in your state. The carrier and endorsements that make sense in Colorado may not be available — or competitive — in Michigan. State-specific guidance matters.
- What if my state isn't listed?
- We're expanding coverage. In the meantime, the calculators and free policy review work for any U.S. homeowner — upload your declarations page and we'll flag gaps regardless of state.
- How do I find the right carrier for my state?
- We match you with a licensed independent advisor who quotes every major carrier in your state — no kickbacks, no obligation. Start with your state's guide and use the 'Get a quote' link.