Government and regulatory sources
- NAIC state insurance department directory
Find your regulator, consumer help, and complaint path. - CFPB: shop for homeowner's insurance
A federal homebuying checklist for written quotes, coverage amounts, and deductibles. - CFPB: homeowners insurance and mortgages
Explains why lenders generally require coverage. - FEMA flood maps
Explains how official maps support risk and lender decisions. - FEMA Flood Map Service Center
Search the official flood map for an address. - National Flood Insurance Program
Check current NFIP coverage, eligibility, limits, and effective-date rules.
Industry education
The Insurance Information Institute provides a general overview of standard homeowners coverage. It is an industry source, not a regulator, and should not replace the issued policy.
Verification order
Begin with the declarations page, then read the full form and endorsements. Use the insurer for form-specific questions and the state insurance department for regulatory or complaint questions.