Homeowner Insurance Regulatory Offices By State

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/your-insurance/home-insurance/homeowner/

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.  If you liked this article, feel free to reach out and join the Military In Transition Facebook Group so you can receive articles as they come out!

 

About Forrest Baumhover

I'm a career naval officer, and a fee-only financial planner. Half-way through my career, I discovered that I had a passion for financial planning, and have pursued this as my second career. My specialty is working with military professionals who are looking to separate or retire from the service, and who feel they need some professional guidance to make sure they're on track.
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