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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Insurance Topics: Homeowners Insurance",
  "publisher": "National Association of Insurance Commissioners (NAIC)",
  "url": "https://content.naic.org/insurance-topics/homeowners-insurance",
  "officialHost": true,
  "sourceType": "official-documentation",
  "authorityLevel": "standards-body",
  "primary": true,
  "jurisdiction": "US",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "NAIC updates its Insurance Topics pages periodically; the page fetched on 2026-08-31 displayed a last updated date of 10/25/2025.",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "naic-homeowners#c1",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c1",
      "checksum": "6a4a2fb1c888",
      "text": "NAIC states that coverage can be for all perils, except those explicitly excluded, or for just those perils specifically named in the policy."
    },
    {
      "claimId": "naic-homeowners#c2",
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      "checksum": "95a4b4df97c8",
      "text": "NAIC states that the limits of coverage for the other coverages are typically calculated as percentages of the dwelling limit."
    },
    {
      "claimId": "naic-homeowners#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c3",
      "checksum": "8313d79d191d",
      "text": "NAIC's page states that all homeowners insurance policies cover the structure of the home, including attached structures, fixtures and built-in appliances, and that most policies also cover home contents and personal liability for covered accidents. This is NAIC's general description of the market, not a reading of any particular filed form."
    },
    {
      "claimId": "naic-homeowners#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c4",
      "checksum": "8002b56edbf8",
      "text": "NAIC states that a home can be insured based on replacement cost, meaning the cost to rebuild, or on actual cash value."
    },
    {
      "claimId": "naic-homeowners#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c5",
      "checksum": "be4a45b0f16a",
      "text": "NAIC states that separate policies for flood or earthquake coverage also may be purchased by those in areas prone to these perils."
    },
    {
      "claimId": "naic-homeowners#c6",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c6",
      "checksum": "ed11b497ef2e",
      "text": "NAIC lists optional add-ons including coverage for unattached structures, personal property, medical payments, additional living expenses, sewer backup, and umbrella liability."
    },
    {
      "claimId": "naic-homeowners#c7",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c7",
      "checksum": "888eed70ba89",
      "text": "NAIC states that the lower the deductible amount, the higher the policy premium."
    },
    {
      "claimId": "naic-homeowners#c8",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/naic-homeowners#c8",
      "checksum": "7eaf5b807642",
      "text": "NAIC publishes A Consumer's Guide to Home Insurance and a home inventory app."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "Why can two insurance policies with the same limit protect differently?",
      "url": "https://bestinsuranceresearch.com/questions/same-limit-different-protection"
    },
    {
      "kind": "Worksheet",
      "title": "Renewal Readiness Checklist",
      "url": "https://bestinsuranceresearch.com/tools/renewal-readiness"
    },
    {
      "kind": "Worksheet",
      "title": "Policy Comparison Workspace",
      "url": "https://bestinsuranceresearch.com/tools/policy-comparison"
    },
    {
      "kind": "Module",
      "title": "Residential Property Position (1 check)",
      "url": "https://bestinsuranceresearch.com/tools/property-position"
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  ],
  "reliedOnByCount": 4,
  "citation": {
    "text": "National Association of Insurance Commissioners (NAIC). \"Insurance Topics: Homeowners Insurance.\" unknown. https://content.naic.org/insurance-topics/homeowners-insurance (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record naic-homeowners, content version 2026.08.31. https://bestinsuranceresearch.com/sources/naic-homeowners",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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}