Question: A little embarrassing, but I TOTALLY forgot who my insurance provider is. I set up monthly billing and now am not even sure who to contact. Help! How do I know who my home insurance is with?
Answer: There are a few different ways you can figure out who your homeowners insurance provider is:
- Check your bank statement: If you’re making monthly or quarterly payments, you should be able to see who those payments are going to. You might be paying via a credit card or directly from your bank’s checking account, so be sure to check all of your accounts.
- Check your mail or email: You may be getting bills or other communications from your insurance provider. Search for keywords such as “home insurance” or “insurance policy.”
- Check your phone records and online search history: You likely spoke with an agent or used the insurer’s website to start your policy. Most insurers now send documents electronically as well. Maybe you bookmarked a website or can search your browsing history, depending on how long it has been.
- Look for a physical copy of your home insurance policy: If you think you may have a physical copy of your policy, see if it is anywhere around the house. Consider checking where you store other important documents.
- Check with your mortgage lender: If you have a mortgage on your home, your lender likely requires you to have homeowners insurance, in which case they should have your insurer’s information on file.
- Consider checking with the insurance company that covers your cars (if you have one). Your home and auto insurance may be provided by the same company, which often results in a bundled discount.
Largest home insurance companies
As you search through bank statements, credit card bills, mail, email, or files, it might help to know what you’re looking for. While there is no guarantee that your insurance is through one of these companies, these are 10 of the largest home insurance companies in the U.S. right now, so you might come across a charge or paperwork from one of them:
- State Farm
- Allstate
- Liberty Mutual
- USAA
- Farmers
- Travelers
- American Family
- Nationwide
- Chubb
- Progressive
Once you discover who your homeowners insurance provider is, you might want to consider reviewing your policy’s coverage and potentially replacing them. If you don’t even know who you’re covered by, it’s not much of a stretch to guess you didn’t go comparison shopping and are paying more than you need to.
If you want help finding the best home insurance policy for your needs, you should contact Jerry. Jerry is a licensed insurance broker that makes finding big savings on your insurance policy easy. One quick, free sign-up gives you a long list of competitive insurance quotes, all curated for you.
Nick Kunze is an insurance writer with four years of insurance and automotive writing experience. Nick’s mission is to help car owners better understand the inner workings of their vehicles by providing straightforward, simple explanations of otherwise complicated aspects of car ownership and maintenance. Nick has written over 900 articles for Jerry, focused mainly on car repair and maintenance. Prior to joining Jerry in 2021, Nick worked in insurance and automotive advert.
Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.
Giselle Gomez is an editor with over a decade of experience editing content across personal finance, education, travel, and sports. In editing for Jerry, Giselle’s focus is on making sure content is consumer and SEO-friendly and helping readers understand all things car ownership. In prior roles, she worked as a content strategist, syndication editor, and writer. Her work is featured in AP, NerdWallet.com, BestColleges.com, and more. Giselle holds a master’s degree from Arizona State University.
