In a previous article, I described my homeowner’s insurance claim process. In this article, I discussed how difficult it was to understand what I was entitled to under the law. I was finally able to reach a better understanding once I became familiar with the Florida Homeowner’s Insurance Bill of Rights.
Since the insurance industry is regulated at the state level, these rights can differ from state to state. Moreover, most states don’t even have a clearly defined ‘Bill of Rights.’ However, each state does have a homeowner’s insurance page that can help you understand what resources exist for your situation.
This page contains links to each state’s homeowner’s insurance website.
Alabama: http://www.aldoi.gov/Consumers/BillofRightsAct.aspx
Alaska: https://www.commerce.alaska.gov/web/ins/Consumers/HomeInsurance.aspx
Arizona: https://insurance.az.gov/consumers/help-hometitleflood-insurance
Arkansas: http://www.insurance.arkansas.gov/csd.htm
California: http://www.insurance.ca.gov/01-consumers/105-type/5-residential/
Colorado: https://www.colorado.gov/pacific/dora/node/90701
Connecticut: http://ct.gov/cid/cwp/view.asp?a=1272&Q=480736
Delaware: http://insurance.delaware.gov/information/guides/
Florida: http://www.floir.com/Office/SearchableTools.aspx
Georgia: https://www.oci.ga.gov/ConsumerService/HomeInsurance.aspx
Hawaii: http://cca.hawaii.gov/ins/
Idaho: http://www.doi.idaho.gov/consumer/
Illinois: http://insurance.illinois.gov/HomeInsurance/homeInsurance.asp
Indiana: http://www.in.gov/idoi/2573.htm
Iowa: http://insuranceca.iowa.gov/home_auto/index.html
Kansas: https://kansasmoney.gov/categories/home-insurance
Kentucky: http://insurance.ky.gov/Home.aspx?Div_ID=4
Louisiana: https://www.ldi.la.gov/consumers/insurance-type/homeowners
Maine: http://www.maine.gov/pfr/insurance/consumer/brochures.htm#homeowners
Maryland: http://insurance.maryland.gov/Consumer/Pages/HomeownersAndRentersInsurance.aspx
Massachusetts: http://www.mass.gov/ocabr/insurance/home-insurance/
Michigan: http://www.michigan.gov/difs/0,5269,7-303-12902_70492_70506—,00.html
Minnesota: https://mn.gov/commerce/consumers/your-home/protect/insurance-basics/
Mississippi: http://www.mid.ms.gov/consumers/homeowners-insurance.aspx
Missouri: http://insurance.mo.gov/consumers/home/
Montana: http://csimt.gov/your-insurance/home/
Nebraska: Consumer Assistance | Nebraska Department of Insurance
Nevada: http://doi.nv.gov/Consumers/Homeowners-Insurance/
New Hampshire: https://www.nh.gov/insurance/consumers/homeowner.htm
New Jersey: http://www.nj.gov/dobi/division_consumers/insurance/homeowner.htm
New Mexico: http://www.osi.state.nm.us/ConsumerAssistance/resources.aspx
New York: http://www.dfs.ny.gov/consumer/home_resources.htm
North Carolina: http://www.ncdoi.com/Consumer/Insurance_Information_By_Topic_-_Homeowners.aspx
North Dakota: https://www.nd.gov/ndins/consumers/homeowners/
Ohio: https://insurance.ohio.gov/Consumer/OCS/Pages/OCSPubIndexTab2.aspx
Oklahoma: https://www.ok.gov/oid/Consumers/Insurance_Basics/Home.html
Oregon: http://dfr.oregon.gov/gethelp/ins-help/home/Pages/index.aspx
Pennsylvania: http://www.insurance.pa.gov/Coverage/Pages/Homeowners.aspx
Rhode Island: http://www.dbr.state.ri.us/divisions/insurance/consumers.php
South Carolina: http://doi.sc.gov/613/Homeowners-Insurance
South Dakota: http://dlr.sd.gov/insurance/consumers.aspx
Tennessee: https://www.tn.gov/commerce/article/ins-homeowners-automotive-insurance-information
Texas: http://www.helpinsure.com/home/index.html
Utah: https://insurance.utah.gov/auto-home/home/homeowners-insurance.php
Vermont: http://www.dfr.vermont.gov/insurance/insurance-consumer/consumers-guide-homeowner-insurance
Virginia: https://www.scc.virginia.gov/boi/pubs.aspx#homeinsurance
Washington: https://www.insurance.wa.gov/homeowner-insurance
West Virginia: http://www.wvinsurance.gov/consumerservices/ConsumerServices.aspx
Wisconsin: https://oci.wi.gov/Pages/Consumers/Homeowners.aspx
Wyoming: https://sites.google.com/a/wyo.gov/doi/consumers/types-of-insurance/homeowner-insurance
Conclusion
I hope this article helps you to find the homeowner’s insurance information you need.
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