CINXE.COM

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$refs.siteNavMenuButton.focus();}"> <ul class="SiteNavCategories-list" :aria-label="isMobile ? 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Alternatively, you can press the end key to jump to the search toggle, and the escape key to close the menu.'"> <li x-cloak class="SiteNavCategory" id="category-1" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/banking/" data-js-selector="siteNavCategorylink1" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 1, 7);" @keydown.right.prevent="keydownCategory('right', 1, 7);" @keydown.left.prevent="keydownCategory('left', 1, 7);" @keydown.down.prevent="keydownCategory('down', 1, 7);" @keydown.up.prevent="keydownCategory('up', 1, 7);" @keydown.home.prevent="keydownCategory('home', 1, 7);" @keydown.end.prevent="keydownCategory('end', 1, 7);" @keydown.space.prevent="keydownCategory('space', 1, 7);" @keydown.enter.prevent="keydownCategory('enter', 1, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="1" data-text="Banking" data-outcome="send to banking hub"> <span class="SiteNavCategory-label"> Banking</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-banking" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="1" data-text="Banking" data-outcome="open default banking container"> <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="banking-tablist" class="SiteNavSubcategory-categoryTitle"> Banking</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="banking-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link"> Explore all banking resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts"> Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts"> Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts"> Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts"> Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link"> Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link"> All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link"> Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link"> Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates"> Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates"> Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates"> Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates"> Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - 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'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link"> Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates"> Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates"> 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates"> 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates"> VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link"> Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link"> Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link"> Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link"> Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link"> Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target=""> Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target=""> Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target=""> 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target=""> 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link"> Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link"> Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link"> Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link"> Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link"> Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="2" data-text="Cost of living calculator" data-outcome="send to link"> Cost of living calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/how-much-is-my-house-worth/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="3" data-text="How much is my house worth?" data-outcome="send to link"> How much is my house worth?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="4" data-text="Real estate resources" data-outcome="send to link"> Real estate resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-buy-a-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - 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data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards"> Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards"> Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards"> Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards"> Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards"> Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link"> Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link"> Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link"> Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link"> Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link"> Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link"> Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link"> Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link"> All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101"> Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice"> Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards"> Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice"> Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice"> Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice"> Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice"> Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link"> Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link"> Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link"> Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub"> <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container"> <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 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Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target=""> Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target=""> Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target=""> Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target=""> Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target=""> Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target=""> Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target=""> Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link"> Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link"> Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link"> HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - 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HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - 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Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 z-15 shrink-0" alt="Natalie Todoroff" /> <img srcset="https://www.bankrate.com/2021/06/08090323/magkemp.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/06/08090323/magkemp.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, 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src="https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/natalie-todoroff/" class="Link Link--standalone text-gray-900"> Natalie Todoroff </a> </div> <span class="AuthorPreview-title text-sm text-gray-700 text-crop-none">Writer, Insurance</span> </div> </div> <div class="AuthorPreview-license my-4"> <div class="w-full"> <div class="flex items-center"> <svg class="Icon Icon--sm text-gray-900 mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>CD Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M5.372 20.534c.12.043.244.066.373.066h2.116a.41.41 0 0 1 .01 0h14.683c.795 0 1.446-.87 1.446-1.937V6.237c0-.854-.417-1.582-.991-1.838a1.096 1.096 0 0 0-.455-.099H5.745c-.794 0-1.445.87-1.445 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2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg> <span class="text-sm text-gray-900 font-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 !mb-3"> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Auto insurance </li> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Home insurance </li> </ul> </div> <div class="flex items-center"> </div> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/natalie-todoroff/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="What does homeowners insurance cover?" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> </div> </div> </div> <button type="button" class="sr-only is-focusable text-link text-gray-900 plain font-bold" @click="close()">Close </button> </div> </div> </div> <div class="inline-block sm:hidden"> <a href="https://www.bankrate.com/authors/natalie-todoroff/" class="underline underline-offset-4 font-bold text-link plain text-white" data-beam-element-clicked data-type="link" data-location="What does homeowners insurance cover?" data-name="author_link_mobile" data-position="byline" data-text="Natalie Todoroff" data-outcome="open author's page" >Natalie Todoroff</a>, </div> Edited by <div class="Tooltip hidden sm:inline-block" x-data="interactiveTooltip('IQNGUS', )" x-bind="container"> <button class="Tooltip-trigger underline underline-offset-4 font-bold text-white" type="button" id="tooltip-trigger-IQNGUS" aria-controls="tooltip-content-IQNGUS" x-bind="trigger" > Maggie Kempken </button> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview z-layer-four" style="display: none;" id="tooltip-content-IQNGUS" aria-hidden="true" aria-labelledby="tooltip-trigger-IQNGUS" role="dialog" x-bind="content" > <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-100 pb-4"> <img class="AuthorPreview-avatar AuthorAvatar shrink-0 AuthorAvatar--lg" srcset="https://www.bankrate.com/2021/06/08090323/magkemp.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/06/08090323/magkemp.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/06/08090323/magkemp.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/06/08090323/magkemp.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/maggie-kempken/" class="Link Link--standalone text-gray-900"> Maggie Kempken </a> </div> <span class="AuthorPreview-title text-sm text-gray-700 text-crop-none">Senior Editor, Insurance</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="flex 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2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg> <span class="text-sm text-gray-900 font-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 !mb-3"> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Auto insurance </li> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Home insurance </li> </ul> </div> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Maggie Kempken is an insurance 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She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/maggie-kempken/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="What does homeowners insurance cover?" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> </div> </div> </div> <button type="button" class="sr-only is-focusable text-link text-gray-900 plain font-bold" @click="close()">Close </button> </div> </div> </div> <div class="inline-block sm:hidden"> <a href="https://www.bankrate.com/authors/maggie-kempken/" class="underline underline-offset-4 font-bold text-link plain text-white" data-beam-element-clicked data-type="link" data-location="What does homeowners insurance cover?" data-name="author_link_mobile" data-position="byline" data-text="Maggie Kempken" data-outcome="open author's page" >Maggie Kempken</a> </div> </div> <div class="col-span-full text-blue-200 text-xs sm:col-start-2"> Published on October 25, 2024 <span class="inline-block text-blue-700 px-2">|</span> 8 min read </div> </div> <div class="mt-4 relative z-0 sm:mt-8 lg:hidden"> <div class="flex gap-4 relative py-4 border-t text-xs justify-between items-start text-white border-blue-700" class="" x-data="{ accordionOpen: 0 }" x-id="['disclaimer-accordion']" :id="$id('disclaimer-accordion')" > <div class="[&_:where(button,a)]:z-5 [&_:where(button,a)]:relative [&_:where(button,a)]:text-lavender-200 hover:[&_:where(button,a)]:text-lavender-300 focus-visible:[&_:where(button,a)]:text-lavender-400 active:[&_:where(button,a)]:text-lavander-400"> <p class="m-0"> Bankrate is always editorially independent. <span x-show="accordionOpen" x-transition x-cloak data-disclaimer-type="insurance"> To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. 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})" > <template x-teleport="#modalStack"> <div id="TocModal" class="Modal is-closed Modal--tableOfContents" role="dialog" aria-hidden="true" > <button class="Modal-overlay" data-target="TocModal" aria-label="close" @click="" data-beam-element-clicked-no-delay id="open_close_accordion_shelf_toc" data-type="accordion" data-location="SHELF-TOC" data-name="open_close_accordion" data-position="top" data-outcome="INTERNALLINK" ></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" > <div class="block rounded-t-2xl max-w-[50rem] w-screen overflow-scroll bg-white"> <div class="px-6 pt-6"> <div class="flex items-center justify-between pb-4 border-b border-b-gray-300"> <p class="text-xl font-bold m-0 text-black"> Table of contents </p> <button class="border-none bg-transparent" type="button" data-target="TocModal" aria-label="close" data-beam-element-clicked-no-delay id="open_close_accordion_shelf_toc" data-type="accordion" data-location="SHELF-TOC" data-name="open_close_accordion" data-position="top" data-outcome="INTERNALLINK" > <svg class="fill-black size-3" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg> </button> </div> <div class="my-6 overflow-y-auto max-h-[60vh]"> <ul class="list-none m-0 flex flex-col gap-4"> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('what-does-home-insurance-cover')}" href="#what-does-home-insurance-cover" data-id="what-does-home-insurance-cover" @click.prevent="jumpTo('what-does-home-insurance-cover')" @keydown.space="jumpTo('what-does-home-insurance-cover')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link0" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="What does home insurance cover?" data-position="1" data-text="What does home insurance cover?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-does-home-insurance-cover') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> What does home insurance cover? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('what-is-not-covered-by-home-insurance')}" href="#what-is-not-covered-by-home-insurance" data-id="what-is-not-covered-by-home-insurance" @click.prevent="jumpTo('what-is-not-covered-by-home-insurance')" @keydown.space="jumpTo('what-is-not-covered-by-home-insurance')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link1" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="What is not covered by home insurance?" data-position="2" data-text="What is not covered by home insurance?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-is-not-covered-by-home-insurance') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> What is not covered by home insurance? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('choosing-the-right-homeowners-insurance-coverage')}" href="#choosing-the-right-homeowners-insurance-coverage" data-id="choosing-the-right-homeowners-insurance-coverage" @click.prevent="jumpTo('choosing-the-right-homeowners-insurance-coverage')" @keydown.space="jumpTo('choosing-the-right-homeowners-insurance-coverage')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link2" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Choosing the right homeowners insurance coverage" data-position="3" data-text="Choosing the right homeowners insurance coverage" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('choosing-the-right-homeowners-insurance-coverage') ? 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'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> How much does homeowners insurance cost? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('frequently-asked-questions')}" href="#frequently-asked-questions" data-id="frequently-asked-questions" @click.prevent="jumpTo('frequently-asked-questions')" @keydown.space="jumpTo('frequently-asked-questions')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link4" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Frequently asked questions" data-position="5" data-text="Frequently asked questions" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('frequently-asked-questions') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Frequently asked questions </span> </a> </li> </ul> </div> </div> </div> </div> </div> </template> </div> </div> <div class="article__main-content wysiwyg wysiwyg--lg js-ArticleBody -order-2"> <div id="block_53372ac974091da4d618609fc60d7f5b" class="key-takeaways sm:border-l-4 border-[var(--accent)] sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">  <h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4"> <span class="shrink-0">Key takeaways</span> <span class="max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-[var(--accent)] max-sm:rounded-full max-sm:block"></span> </h2>  <ul class="flex flex-col text-gray-700 mb-0 gap-2 list-none"> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> Most mortgage lenders require homeowners to purchase home insurance. </li> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> Standard HO-3 home insurance policies cover damage to your home’s structure, other structures on your property and your personal belongings, as well your liability as a homeowner and the cost for things like food and a hotel if you are displaced after a covered loss. </li> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> Home insurance policies cover you for a range of potential losses, but some significant causes of damage—such as earthquakes and flooding—are excluded from standard policies. </li> </ul> </div> <p>Your home insurance policy provides financial protection for your home’s physical structure, the other structures on your property, your personal belongings and a level of liability insurance. Together, these coverage types work together to keep your hard-earned money safe if you have unexpected damage to your home. Although it can help with a lot of things, home insurance doesn’t cover everything. Depending on where you live and how much stuff you have, you might consider building out your policy with endorsements, or add-ons. Knowing what homeowners insurance does and does not cover could help you buy the right policy the first time around.</p> <div class="insurance-widget insurance-widget__base mb-12"> <style>.div-5c290ab23819257a .FormInput { border-radius: .25rem; border-width: 1px; display: block; height: 3rem; width: 100%; border-color: rgba(81,82,96,1); background-color: rgba(255,255,255,1); font-size: 1rem; font-style: normal; font-weight: 400; letter-spacing: -.015625rem; line-height: 1.7;padding: .5rem 1rem; color: rgba(21,21,21,1); } .div-5c290ab23819257a .FormInput:active,.FormInput:focus { border-width: 2px; border-color: rgba(1,87,255,1); background-color: rgba(234,241,255, 1); outline-width: 0; padding: .4375rem .9375rem; } .div-5c290ab23819257a .FormElementHelp { display: block; font-family: var(--font-family-sans); font-size: .875rem; font-style: normal; line-height: 1.7; color: rgba(81,82,96,1); }</style> <div class="div-5c290ab23819257a"> <style>.div-792170d9cc46470f .bg-gray-400 { background-color: #cbd5e0; 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All offers are subject to additional terms and conditions. </div> </div> </div> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4"></div> <div x-data="{ insuranceDisclosureOpen: false }" class="insurance-disclosure text-xs relative" data-cy="insurance-disclosure"> <div class="mb-0 md-flex justify-center items-baseline"> <a href="#" class="ad-disclosure-btn inline-block Link hover:text-blue-700" @click.prevent="insuranceDisclosureOpen = !insuranceDisclosureOpen" @click.away="insuranceDisclosureOpen = false"> Insurance disclosure </a> </div> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 right text-left" x-cloak x-show="insuranceDisclosureOpen" style="width: 16.875rem; right: -25%; top: 1.25rem;" data-cy="insurance-disclosure-content"> <p class="text-xs mb-0"> Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in <a href="https://www.coverage.com/insurance-licenses/" target="_blank">states where it is licensed</a>. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. </p> </div> </div> </div> </div> </div> </div> <h3 class="trsy-mb-4 trsy-heading-4 md:trsy-heading-2">Compare home insurance rates</h3> <p class="trsy-text-sm trsy-text-gray-700 trsy-leading-6 md:trsy-text-base trsy-mb-0 md:trsy-mb-6">Answer a few questions to see personalized rates from top carriers.</p> <div class="input-container w-full display flex-col my-4 md-mt-6 md:flex-row md-justify-between md-items-end"> <div class="flex flex-col md:flex-row md-justify-between md:items-center"> <div class="md-w-1/3"> <div x-data x-id="['input']" class="FormControl"> <label x-bind:for="$id('input')" class="FormLabel mb-2"> Do you own or rent this home?</label> <div x-bind:id="$id('input')" class="FormButtonGroup FormButtonGroup--fill border-0"> <label x-id="['radio-input']" data-cy="form-button-radio-button" class="FormRadio mr-5" :for="$id('radio-input')"> <input type="radio" class="FormRadio-input" :id="$id('radio-input')" value="OWN" x-model="ownRentOption.userInputField.fieldValue" x-on:change="inputChange('ownRent')" name="a592c5f6-ae23-4e75-8b92-10a56556c5b0"> <span class="FormRadio-fauxInput mr-2"></span> Own</label> <label x-id="['radio-input']" data-cy="form-button-radio-button" class="FormRadio mr-5" :for="$id('radio-input')"> <input type="radio" class="FormRadio-input" :id="$id('radio-input')" value="RENT" x-model="ownRentOption.userInputField.fieldValue" x-on:change="inputChange('ownRent')" name="a592c5f6-ae23-4e75-8b92-10a56556c5b0"> <span class="FormRadio-fauxInput mr-2"></span> Rent</label> </div> </div> </div> <div class="zip-input my-3 md-my-0 md-w-1/3 md-mx-6"> <div x-data x-id="['input']" class="FormControl" x-bind:class="{ 'is-error': zipInput.hasError }"> <label x-bind:for="$id('input')" class="FormLabel"> ZIP Code</label> <input x-bind:id="$id('input')" class="FormInput" name="zip_code_input" maxlength="5" x-model="zipInput.userInputField.fieldValue" x-on:keypress="onlyNumbers"> <span class="absolute right-1 text-gray-700 bottom-4 pointer-events-none pr-4 leading-none h-4"> <span class="icon icon-size"> <svg class="h-4" width="16" height="20" viewbox="0 0 16 20" xmlns="http://www.w3.org/2000/svg"> <title>Location-Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M8 20C2.66667 15.3333 0 11.3333 0 8C0 3 3.58172 0 8 0C12.4183 0 16 3 16 8C16 11.3333 13.3333 15.3333 8 20ZM2 8C2 10.3626 3.95475 13.5154 8 17.3039C12.0453 13.5154 14 10.3626 14 8C14 4.32919 11.5476 2 8 2C4.45236 2 2 4.32919 2 8ZM8 11C6.34315 11 5 9.65685 5 8C5 6.34315 6.34315 5 8 5C9.65685 5 11 6.34315 11 8C11 9.65685 9.65685 11 8 11Z" fill="#151515"></path> </svg> </span> </span> </div> <span class="FormElementHelp mt-1 text-center text-xs" x-show="!zipInput.hasError"> Your information is kept secure</span> <span class="FormElementHelp is-error text-xs mt-1" x-cloak="x-cloak" x-show="zipInput.hasError" x-text="zipInput.errorMessage"> </span> </div> <div class="w-full flex justify-center md-w-1/3 mt-2"> <button @click="submitForm" type="submit" data-cy="continue-button" class="Button Button--primary h-12 w-full"> Continue</button> </div> </div> </div> </div> <div class="trsy-pb-4 md:trsy-pb-0"> <div class="flex flex-col md:flex-row items-center mb-1 justify-center md:hidden trsy-py-3 md:trsy-py-3" data-cy="disclosure-container"> <p class="mb-0 text-xs text-gray-700">Powered by Coverage.com (NPN: 19966249)</p> <div class="flex items-center mt-2 md-mt-0"> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4 hidden md:block"></div> <div class="relative text-xs" x-data="{ advertisingDisclosureOpen: false }" data-cy="advertiser-disclosure"> <a class="inline-block Link hover:text-blue-700" @click.prevent="advertisingDisclosureOpen = !advertisingDisclosureOpen" @click.away="advertisingDisclosureOpen = false" href="#"> Advertising disclosure </a> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 text-left" x-cloak x-show="advertisingDisclosureOpen" style="width: 16.875rem; left: -25%; top: 1.25rem;" data-cy="advertiser-disclosure-content"> <div class="text-xs mb-0"> This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. </div> </div> </div> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4"></div> <div x-data="{ insuranceDisclosureOpen: false }" class="insurance-disclosure text-xs relative" data-cy="insurance-disclosure"> <div class="mb-0 md-flex justify-center items-baseline"> <a href="#" class="ad-disclosure-btn inline-block Link hover:text-blue-700" @click.prevent="insuranceDisclosureOpen = !insuranceDisclosureOpen" @click.away="insuranceDisclosureOpen = false"> Insurance disclosure </a> </div> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 right text-left" x-cloak x-show="insuranceDisclosureOpen" style="width: 16.875rem; right: -25%; top: 1.25rem;" data-cy="insurance-disclosure-content"> <p class="text-xs mb-0"> Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in <a href="https://www.coverage.com/insurance-licenses/" target="_blank">states where it is licensed</a>. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. </p> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> <div class="insurance-widget insurance-widget__preamp mb-12 hidden"> <style>.div-8e8f1286196a2d3e .FormInput { border-radius: .25rem; border-width: 1px; display: block; height: 3rem; width: 100%; border-color: rgba(81,82,96,1); background-color: rgba(255,255,255,1); font-size: 1rem; font-style: normal; font-weight: 400; letter-spacing: -.015625rem; line-height: 1.7;padding: .5rem 1rem; color: rgba(21,21,21,1); } .div-8e8f1286196a2d3e .FormInput:active,.FormInput:focus { border-width: 2px; border-color: rgba(1,87,255,1); background-color: rgba(234,241,255, 1); outline-width: 0; padding: .4375rem .9375rem; } .div-8e8f1286196a2d3e .FormElementHelp { display: block; font-family: var(--font-family-sans); font-size: .875rem; font-style: normal; line-height: 1.7; color: rgba(81,82,96,1); }</style> <div class="div-8e8f1286196a2d3e"> <style>.div-6a6d723e464098a0 .bg-gray-400 { background-color: #cbd5e0; } .div-6a6d723e464098a0 .h-3 { height: 0.75rem; } .div-6a6d723e464098a0 .w-px { width: 1px; } .div-6a6d723e464098a0 .mx-2 { margin-left: 0.5rem; margin-right: 0.5rem; } .div-6a6d723e464098a0 .hover:text-blue-700 { color: rgb(29 78 216); } .div-6a6d723e464098a0 .bg-auto { background-size: auto; } .div-6a6d723e464098a0 .max-w-md { max-width: 28rem; } .div-6a6d723e464098a0 .bg-gray-400 { background-color: #cbd5e0; } .div-6a6d723e464098a0 .h-3 { height: 0.75rem; } .div-6a6d723e464098a0 .w-px { width: 1px; } .div-6a6d723e464098a0 .mx-2 { margin-left: 0.5rem; margin-right: 0.5rem; } .div-6a6d723e464098a0 .hover:text-blue-700 { color: rgb(29 78 216); } .div-6a6d723e464098a0 .bg-auto { background-size: auto; } .div-6a6d723e464098a0 .max-w-md { max-width: 28rem; } .div-6a6d723e464098a0 .zip-input { margin-bottom: -1.75rem; } .div-6a6d723e464098a0 .my-3 { margin-top: 0.75rem; margin-bottom: 0.75rem; } .div-6a6d723e464098a0 .right-1 { right: 0.25rem; } .div-6a6d723e464098a0 .bottom-4 { bottom: 1rem; } .div-6a6d723e464098a0 .bg-gray-400 { background-color: #cbd5e0; } .div-6a6d723e464098a0 .h-3 { height: 0.75rem; } .div-6a6d723e464098a0 .w-px { width: 1px; } .div-6a6d723e464098a0 .mx-2 { margin-left: 0.5rem; margin-right: 0.5rem; } .div-6a6d723e464098a0 .hover:text-blue-700 { color: rgb(29 78 216); } .div-6a6d723e464098a0 .bg-auto { background-size: auto; } .div-6a6d723e464098a0 .max-w-md { max-width: 28rem; } .div-6a6d723e464098a0 .bg-gray-400 { background-color: #cbd5e0; } .div-6a6d723e464098a0 .h-3 { height: 0.75rem; } .div-6a6d723e464098a0 .w-px { width: 1px; } .div-6a6d723e464098a0 .mx-2 { margin-left: 0.5rem; margin-right: 0.5rem; } .div-6a6d723e464098a0 .hover:text-blue-700 { color: rgb(29 78 216); } .div-6a6d723e464098a0 .bg-auto { background-size: auto; } .div-6a6d723e464098a0 .max-w-md { max-width: 28rem; } @media (min-width: 768px) { .div-6a6d723e464098a0 .md-flex { display: flex; } .div-6a6d723e464098a0 .md-mt-0 { margin-top: 0; } .div-6a6d723e464098a0 .md-mx-4 { margin-left: 1rem; margin-right: 1rem; } .div-6a6d723e464098a0 .md-mt-6 { margin-top: 1.5rem; } .div-6a6d723e464098a0 .md-justify-between { justify-content: space-between; } .div-6a6d723e464098a0 .md-items-end { align-items: flex-end; } .div-6a6d723e464098a0 .md-w-1\/3 { width: 33.333333%; } .div-6a6d723e464098a0 .md-my-0 { margin-top: 0px; margin-bottom: 0px; } .div-6a6d723e464098a0 .md-mx-6 { margin-left: 1.5rem; margin-right: 1.5rem; } }</style> <div class="div-6a6d723e464098a0"><div data-cy="rate-table-homeowners-insurance" x-data="rateTableHomeownersInsurance( '0', false, false, false, )"> <div class="trsy-shadow-sm trsy-rounded-md"> <div class="trsy-px-6 trsy-pt-4 trsy-pb-0 md:try-pb-4 trsy-overflow-auto"> <div class="trsy-grid md:trsy-grid-cols-4 trsy-mb-8"> <div class="md:trsy-col-span-1"> <img src="https://www.bankrate.com/v5.1514.2/next/img/insurance/bankrate-and-coverage-logo.png" class="trsy-w-40" alt="Bankrate and Coverage Logo"> </div> <div class="md:trsy-col-span-3"> <div class="flex flex-col md:flex-row items-center mb-1 justify-center w-full hidden md-flex" data-cy="disclosure-container"> <p class="mb-0 text-xs text-gray-700">Powered by Coverage.com (NPN: 19966249)</p> <div class="flex items-center mt-2 md-mt-0"> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4 hidden md:block"></div> <div class="relative text-xs" x-data="{ advertisingDisclosureOpen: false }" data-cy="advertiser-disclosure"> <a class="inline-block Link hover:text-blue-700" @click.prevent="advertisingDisclosureOpen = !advertisingDisclosureOpen" @click.away="advertisingDisclosureOpen = false" href="#"> Advertising disclosure </a> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 text-left" x-cloak x-show="advertisingDisclosureOpen" style="width: 16.875rem; left: -25%; top: 1.25rem;" data-cy="advertiser-disclosure-content"> <div class="text-xs mb-0"> This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. </div> </div> </div> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4"></div> <div x-data="{ insuranceDisclosureOpen: false }" class="insurance-disclosure text-xs relative" data-cy="insurance-disclosure"> <div class="mb-0 md-flex justify-center items-baseline"> <a href="#" class="ad-disclosure-btn inline-block Link hover:text-blue-700" @click.prevent="insuranceDisclosureOpen = !insuranceDisclosureOpen" @click.away="insuranceDisclosureOpen = false"> Insurance disclosure </a> </div> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 right text-left" x-cloak x-show="insuranceDisclosureOpen" style="width: 16.875rem; right: -25%; top: 1.25rem;" data-cy="insurance-disclosure-content"> <p class="text-xs mb-0"> Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in <a href="https://www.coverage.com/insurance-licenses/" target="_blank">states where it is licensed</a>. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. </p> </div> </div> </div> </div> </div> </div> <h3 class="trsy-mb-4 trsy-heading-4 md:trsy-heading-2">Compare home insurance rates</h3> <p class="trsy-text-sm trsy-text-gray-700 trsy-leading-6 md:trsy-text-base trsy-mb-0 md:trsy-mb-6">Answer a few questions to see personalized rates from top carriers.</p> <div class="input-container w-full display flex-col my-4 md-mt-6 md:flex-row md-justify-between md-items-end"> <div class="flex flex-col md:flex-row md-justify-between md:items-center"> <div class="md-w-1/3"> <div x-data x-id="['input']" class="FormControl"> <label x-bind:for="$id('input')" class="FormLabel mb-2"> Do you own or rent this home?</label> <div x-bind:id="$id('input')" class="FormButtonGroup FormButtonGroup--fill border-0"> <label x-id="['radio-input']" data-cy="form-button-radio-button" class="FormRadio mr-5" :for="$id('radio-input')"> <input type="radio" class="FormRadio-input" :id="$id('radio-input')" value="OWN" x-model="ownRentOption.userInputField.fieldValue" x-on:change="inputChange('ownRent')" name="2d76d1d9-ac17-4148-bc1f-00b371787069"> <span class="FormRadio-fauxInput mr-2"></span> Own</label> <label x-id="['radio-input']" data-cy="form-button-radio-button" class="FormRadio mr-5" :for="$id('radio-input')"> <input type="radio" class="FormRadio-input" :id="$id('radio-input')" value="RENT" x-model="ownRentOption.userInputField.fieldValue" x-on:change="inputChange('ownRent')" name="2d76d1d9-ac17-4148-bc1f-00b371787069"> <span class="FormRadio-fauxInput mr-2"></span> Rent</label> </div> </div> </div> <div class="zip-input my-3 md-my-0 md-w-1/3 md-mx-6"> <div x-data x-id="['input']" class="FormControl" x-bind:class="{ 'is-error': zipInput.hasError }"> <label x-bind:for="$id('input')" class="FormLabel"> ZIP Code</label> <input x-bind:id="$id('input')" class="FormInput" name="zip_code_input" maxlength="5" x-model="zipInput.userInputField.fieldValue" x-on:keypress="onlyNumbers"> <span class="absolute right-1 text-gray-700 bottom-4 pointer-events-none pr-4 leading-none h-4"> <span class="icon icon-size"> <svg class="h-4" width="16" height="20" viewbox="0 0 16 20" xmlns="http://www.w3.org/2000/svg"> <title>Location-Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M8 20C2.66667 15.3333 0 11.3333 0 8C0 3 3.58172 0 8 0C12.4183 0 16 3 16 8C16 11.3333 13.3333 15.3333 8 20ZM2 8C2 10.3626 3.95475 13.5154 8 17.3039C12.0453 13.5154 14 10.3626 14 8C14 4.32919 11.5476 2 8 2C4.45236 2 2 4.32919 2 8ZM8 11C6.34315 11 5 9.65685 5 8C5 6.34315 6.34315 5 8 5C9.65685 5 11 6.34315 11 8C11 9.65685 9.65685 11 8 11Z" fill="#151515"></path> </svg> </span> </span> </div> <span class="FormElementHelp mt-1 text-center text-xs" x-show="!zipInput.hasError"> Your information is kept secure</span> <span class="FormElementHelp is-error text-xs mt-1" x-cloak="x-cloak" x-show="zipInput.hasError" x-text="zipInput.errorMessage"> </span> </div> <div class="w-full flex justify-center md-w-1/3 mt-2"> <button @click="submitForm" type="submit" data-cy="continue-button" class="Button Button--primary h-12 w-full"> Continue</button> </div> </div> </div> </div> <div class="trsy-pb-4 md:trsy-pb-0"> <div class="flex flex-col md:flex-row items-center mb-1 justify-center md:hidden trsy-py-3 md:trsy-py-3" data-cy="disclosure-container"> <p class="mb-0 text-xs text-gray-700">Powered by Coverage.com (NPN: 19966249)</p> <div class="flex items-center mt-2 md-mt-0"> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4 hidden md:block"></div> <div class="relative text-xs" x-data="{ advertisingDisclosureOpen: false }" data-cy="advertiser-disclosure"> <a class="inline-block Link hover:text-blue-700" @click.prevent="advertisingDisclosureOpen = !advertisingDisclosureOpen" @click.away="advertisingDisclosureOpen = false" href="#"> Advertising disclosure </a> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 text-left" x-cloak x-show="advertisingDisclosureOpen" style="width: 16.875rem; left: -25%; top: 1.25rem;" data-cy="advertiser-disclosure-content"> <div class="text-xs mb-0"> This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. </div> </div> </div> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4"></div> <div x-data="{ insuranceDisclosureOpen: false }" class="insurance-disclosure text-xs relative" data-cy="insurance-disclosure"> <div class="mb-0 md-flex justify-center items-baseline"> <a href="#" class="ad-disclosure-btn inline-block Link hover:text-blue-700" @click.prevent="insuranceDisclosureOpen = !insuranceDisclosureOpen" @click.away="insuranceDisclosureOpen = false"> Insurance disclosure </a> </div> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 right text-left" x-cloak x-show="insuranceDisclosureOpen" style="width: 16.875rem; right: -25%; top: 1.25rem;" data-cy="insurance-disclosure-content"> <p class="text-xs mb-0"> Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in <a href="https://www.coverage.com/insurance-licenses/" target="_blank">states where it is licensed</a>. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. </p> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> <h2 id="what-does-home-insurance-cover" data-beam-element-viewed data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Insurance, Homeowners Insurance" data-position="h2_second_placement" data-name="h2_second_placement" data-text="What does homeowners insurance cover?" data-outcome>What does home insurance cover?</h2> <p>A standard home insurance policy, or HO-3 policy, typically offers six coverage types:</p> <ul> <li>Your home’s physical structure (dwelling coverage)</li> <li>Other, detached structures on your property</li> <li>Your personal belongings</li> <li>Liability protection</li> <li>Guest medical payments</li> <li>Additional living expenses (loss of use)</li> </ul> <p>The unexpected things that cause damage to your home and property are called <a href="https://www.bankrate.com/insurance/homeowners-insurance/what-is-an-insurance-peril/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="perils" data-type="LINK" data-position="1" data-name="article-link" data-outcome="INTERNALLINK">perils</a>. Your dwelling and other structures’ coverage include ‘open perils’ or ‘all risk’ coverage. Open perils insurance provides coverage for any disaster that is not specifically excluded in your policy. Your belongings, on the other hand, usually fall under what’s known as ‘named perils.’ That means that only the losses  that are named in that portion of your policy are covered.</p> <p>Additional types of coverage, known as <a href="https://www.bankrate.com/insurance/homeowners-insurance/policy-endorsements/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="endorsements" data-type="LINK" data-position="2" data-name="article-link" data-outcome="INTERNALLINK">endorsements</a>, or add-ons, are also available from some carriers and may include coverage options like scheduled personal property (for expensive items) and sewer backup. Some types of coverage, like flood coverage, are rarely available as a policy add-on and must usually be purchased as a separate policy altogether. We’ll cover more on that later. First, let’s dive into what each of the standard six coverage types mean.</p> <h3>Dwelling coverage (Coverage A)</h3> <p>Your homeowners policy is designed to pay to rebuild or repair your home in the case of damage caused by things like fire, wind, hail and lightning. <a href="https://www.bankrate.com/insurance/homeowners-insurance/dwelling-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Dwelling coverage" data-type="LINK" data-position="3" data-name="article-link" data-outcome="INTERNALLINK">Dwelling coverage</a> includes the main structure of your home and any attached structures, such as a deck or attached garage, but not any other detached structures on the same premises.</p> <p>It’s important to note that, in a standard policy, a dwelling coverage claim is typically designated to be paid out as <a href="https://www.bankrate.com/insurance/homeowners-insurance/replacement-cost/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="replacement cost" data-type="LINK" data-position="4" data-name="article-link" data-outcome="INTERNALLINK">replacement cost</a>, which means that no depreciation is factored into what the insurance company pays to make the repairs or replacements.</p> <p>Your dwelling coverage limit is one of the most important parts of your home insurance policy. Some of your other policy limits, like the ones for other structures, personal property and additional living expenses, are calculated as percentages of your dwelling limit. </p> <h3>Other structures coverage (Coverage B)</h3> <p>When you have detached structures on your property, <a href="https://www.bankrate.com/insurance/homeowners-insurance/other-structures-coverage/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="other structures coverage" data-type="LINK" data-position="5" data-name="article-link" data-outcome="INTERNALLINK">other structures coverage</a> is designed to financially protect them. These other structures can include detached garages, sheds, barns, gazebos and fences. Other structures coverage is also typically designed to be paid out at replacement cost. The policy limit for other structures is usually 10 percent of your dwelling limit: If you have a policy with a $300,000 dwelling limit, you likely have $30,000 for the other detached structures on your property. </p> <h3>Personal property coverage (Coverage C) </h3> <p>Coverage for <a href="https://www.bankrate.com/insurance/homeowners-insurance/personal-property-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="your personal belongings" data-type="LINK" data-position="6" data-name="article-link" data-outcome="INTERNALLINK">your personal belongings</a> will pay for the value of your damaged or lost possessions, including furniture, electronics, clothing and collectibles. Even trees, plants and shrubs are covered in some cases. Coverage for personal items may also include items that are stored off-premises, usually up to 10 percent of your Coverage C limit.</p> <p>If you are unsure about how much coverage you need, you can conduct a home inventory to determine the right home insurance coverage plan for you. Most policies set the Coverage C limit between 50 and 70 percent of the Coverage A limit. So, if you have a  $300,000 dwelling policy, you likely have between $150,000 to $210,000 for your personal belongings. </p> <p>Your personal property coverage in a standard policy is often designated to be paid out as <a href="https://www.bankrate.com/insurance/homeowners-insurance/actual-cash-value/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="actual cash value" data-type="LINK" data-position="7" data-name="article-link" data-outcome="INTERNALLINK">actual cash value</a>, which means that your insurance company would only pay for what the original item would be worth today at depreciated values. Replacement cost for your belongings is often available as an endorsement, but is likely to <a href="https://www.bankrate.com/insurance/homeowners-insurance/replacement-cost-estimator/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="increase your premium" data-type="LINK" data-position="8" data-name="article-link" data-outcome="INTERNALLINK">increase your premium</a>.</p> <h3>Additional living expenses (ALE) (Coverage D)</h3> <p>If damage makes your home uninhabitable after a covered claim, this coverage pays for the <a href="https://www.bankrate.com/insurance/homeowners-insurance/additional-living-expenses/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="additional costs of living" data-type="LINK" data-position="9" data-name="article-link" data-outcome="INTERNALLINK">additional costs of living</a> somewhere else while your home is repaired or rebuilt. This could include hotel and restaurant expenses, laundromat fees, pet boarding and other costs you may incur during that time. This coverage does have financial limits, and in some cases, a time limit as well. Your Coverage D limit is usually between 20 and 30 percent of Coverage A. </p> <h3>Liability coverage (Coverage E)</h3> <p>Liability insurance covers you from financial losses resulting from damage to others’ property and personal injury to others if you are found legally responsible. Unless they are excluded, this insurance also covers damage caused by your family members and even your pets. Liability insurance covers court awards and expenses, depending on your policy. Exact limits vary, but anywhere from $100,000 to $500,000 is considered standard. </p> <p>If you think you need more liability insurance than the average homeowners policy offers, consider an <a href="https://www.bankrate.com/insurance/homeowners-insurance/umbrella-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="umbrella liability policy" data-type="LINK" data-position="10" data-name="article-link" data-outcome="INTERNALLINK">umbrella liability policy</a>, which provides broader coverage and higher liability limits.</p> <h3>Guest medical payments (Coverage F)</h3> <p>If a visitor to your home injures themselves, this type of coverage would pay to cover some of their medical expenses, such as ambulance fees, hospital stays and more. The amount varies by home insurance company, so it’s important to review the coverage limit to see if you want to make any adjustments, but between $1,000 and $5,000 is normal. Guest medical payments coverage differs from liability coverage in that it can pay out regardless of who is found legally responsible for the injury.</p> <h3>Surprising things included with your home insurance policy </h3> <p>In addition to your core coverage types, most home insurance policies include a few additional coverage types at no extra cost to you. The limits may be different for your policy, but they usually include:</p> <div class="w-full overflow-x-auto"><table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped"> <thead><tr> <th>Coverage name</th> <th><strong>What it covers</strong></th> <th><strong>Coverage limit</strong></th> </tr></thead> <tbody> <tr> <td>Debris removal </td> <td>Helps with the cost of removing debris if caused by a covered peril. </td> <td>Up to $1,000 for tree debris removal per occurrence and $500 per tree</td> </tr> <tr> <td>Reasonable repairs </td> <td>Helps with repair costs incurred by the policyholder to prevent further loss, like a tarp or boards to cover a broken window</td> <td>Depends on policy </td> </tr> <tr> <td>Tree, shrubs and other plants</td> <td>Helps with the costs of replacing trees, shrubs and plants if they are damaged by a covered loss like fire or vandalism</td> <td>5% of total dwelling limit; up to $500 per plant</td> </tr> <tr> <td>Fire department service charge</td> <td>No-deductible coverage for fire department service charges</td> <td>Up to $500</td> </tr> <tr> <td>Property removed </td> <td>Financial protection for property that’s been removed from your home because a covered peril, like if your furniture is in storage after a home fire </td> <td>Same as Coverage C limit </td> </tr> <tr> <td>Credit card or electronic fund transfer card or access device </td> <td>Helps if someone steals your credit card or forges a check, with no deductible </td> <td>Up to $500</td> </tr> <tr> <td>Loss assessment </td> <td>Helps with the policyholder’s share of loss assessment for shared community structures, usually for condo owners or those in an HOA</td> <td>Up to $1,000</td> </tr> <tr> <td>Glass or safety glazing material </td> <td>Helps with the cost of repairing windows and storm doors </td> <td>$100 limit for HO-8 policies</td> </tr> <tr> <td>Grave markers </td> <td>Helps with damage to grave markers and mausoleum from a covered peril </td> <td>Up to $5,000</td> </tr> </tbody> </table></div> <h2 id="what-is-not-covered-by-home-insurance">What is not covered by home insurance?</h2> <p>Certain types of damage are typically <a href="https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-exclusions/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="not covered by home insurance" data-type="LINK" data-position="11" data-name="article-link" data-outcome="INTERNALLINK">not covered by home insurance</a>. There are some crucial exclusions to note under homeowners insurance that will help you decide whether additional coverage is necessary. Some of these types of damages can be covered by purchasing an endorsement, or add-on, to your policy, while others will require an entirely separate insurance policy.</p> <p><strong>Keep in mind:</strong> If you live in an area that is prone to disasters, like hurricanes or earthquakes, it’s important to choose coverage that will provide the best financial protection for damage to your home and personal belongings. Consulting a licensed insurance professional can help you determine if your home insurance policy meets your coverage needs.</p> <h3>Flood damage</h3> <p>Damage from floods is not covered by your standard home insurance policy. You may be required by your lender to purchase <a href="https://www.bankrate.com/insurance/homeowners-insurance/flood-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="flood insurance" data-type="LINK" data-position="12" data-name="article-link" data-outcome="INTERNALLINK">flood insurance</a> if your home is located in or near a flood zone. But flooding can (and does) happen anywhere. Given how expensive water damage from even a small flood can be to repair, you may want to consider purchasing flood coverage even if you aren’t in a high-risk zone or required to do so.</p> <p>Most flood insurance in the U.S. is purchased through the <a href="https://www.floodsmart.gov/" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="National Flood Insurance Program" data-type="LINK" data-position="13" data-name="article-link" data-outcome="EXTERNALLINK">National Flood Insurance Program</a> (NFIP), which works with private insurers to offer coverage for those in regions that may experience flooding. One helpful resource for flood information is FEMA’s <a href="https://msc.fema.gov/portal/home" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="Flood Map Service Center" data-type="LINK" data-position="14" data-name="article-link" data-outcome="EXTERNALLINK">Flood Map Service Center</a>, which shows if your home is in a flood zone based on your address. Note, however, that even if you are not in a flood zone, you could still be at risk. Just one inch of water can cause $25,000 in damage to your home.</p> <p>Flood insurance premiums are typically paid in full up front, so if you need flood insurance, you might want to budget for that in advance if possible. Additionally, there is typically a 30-day waiting period before flood coverage goes into effect, so purchasing a policy when a major storm is already on the way won’t help.</p> <h3>Earthquake damage</h3> <p>Generally, damage caused by earthquakes is not covered by a standard homeowners policy, but can be purchased as a separate policy — or as an endorsement in some cases. An <a href="https://www.bankrate.com/insurance/homeowners-insurance/is-earthquake-insurance-worth-it/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="earthquake insurance policy" data-type="LINK" data-position="15" data-name="article-link" data-outcome="INTERNALLINK">earthquake insurance policy</a> is typically optional but may be something to consider if you live near an active fault line.</p> <h3>Water damage</h3> <p>While a standard home insurance policy covers some types of water damage, such as if your refrigerator leaks and it wasn’t caused by neglect, many instances are excluded. <a href="https://www.bankrate.com/insurance/homeowners-insurance/does-homeowners-insurance-cover-water-damage/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Water damage" data-type="LINK" data-position="16" data-name="article-link" data-outcome="INTERNALLINK">Water damage</a> issues involving your sewage systems, such as an overflow or backup, are typically not covered, but that type of coverage can be purchased as an endorsement. And of course, damage from flooding caused by storms needs to be purchased as a separate policy.</p> <h3>Homeowners neglect</h3> <p>Proper care and routine maintenance are crucial to keeping your property in tip-top shape. Staying current on cleanings, home systems repairs and inspections can save you from a financial headache down the road. Any damages caused by neglect or failure to properly maintain your home are not covered by homeowners insurance.</p> <p>Those damages include but are not limited to:</p> <ul> <li><a href="https://www.bankrate.com/insurance/homeowners-insurance/does-homeowners-insurance-cover-termite-damage/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Termites and insect damage" data-type="LINK" data-position="17" data-name="article-link" data-outcome="INTERNALLINK">Termites and insect damage</a></li> <li><a href="https://www.bankrate.com/insurance/homeowners-insurance/does-homeowners-insurance-cover-mold/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Mold" data-type="LINK" data-position="18" data-name="article-link" data-outcome="INTERNALLINK">Mold</a></li> <li>Rust</li> <li><a href="https://www.bankrate.com/insurance/homeowners-insurance/does-homeowners-insurance-cover-rodent-damage/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Bird or rodent damage" data-type="LINK" data-position="19" data-name="article-link" data-outcome="INTERNALLINK">Bird or rodent damage</a></li> <li>General wear and tear</li> </ul> <p>To avoid costly repairs that your policy might not cover, it’s a good idea to maintain your home regularly.</p> <h3>Identity theft</h3> <p>Homeowners insurance typically does not cover expenses related to <a href="https://www.bankrate.com/insurance/homeowners-insurance/identity-theft-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="identity theft" data-type="LINK" data-position="20" data-name="article-link" data-outcome="INTERNALLINK">identity theft</a>, but many carriers offer identity theft coverage as a home insurance endorsement. Some insurers automatically include this coverage on standard home insurance policies. This coverage typically helps pay for identity restoration services and may reimburse you for fraudulent charges.</p> <h2 id="choosing-the-right-homeowners-insurance-coverage">Choosing the right homeowners insurance coverage</h2> <p>When choosing the right homeowners insurance company, the cost of coverage is just one factor. Each person has different criteria they want their insurance company to meet, whether it’s 24/7 claims response, online and mobile accessibility or the ability to speak with a dedicated agent who recognizes their name each time they call.</p> <p>If you have unique coverage needs or home characteristics, such as living in a historic home, consider a company that offers special endorsements that fit your needs. Knowing how to choose the best home insurance company for you will help ensure you’re financially protected if a loss occurs.</p> <p><strong>Learn more:</strong> <a href="https://www.bankrate.com/insurance/homeowners-insurance/cheap-homeowners-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Affordable home insurance companies" data-type="LINK" data-position="21" data-name="article-link" data-outcome="INTERNALLINK">Affordable home insurance companies</a></p> <h2 id="how-much-does-homeowners-insurance-cost">How much does homeowners insurance cost?</h2> <p>In the U.S., the <a href="https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-cost/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="average cost for homeowners insurance" data-type="LINK" data-position="22" data-name="article-link" data-outcome="INTERNALLINK">average cost for homeowners insurance</a> is $2,285 per year for a home insurance policy with $300,000 in dwelling coverage, according to October 2024 data analyzed from Quadrant Information Services. Depending on your location, average premiums can range from $800 to more than $4,000 per year. </p> <p>Some of the <a href="https://www.bankrate.com/insurance/homeowners-insurance/factors-that-impact-home-insurance-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="factors that may impact the cost" data-type="LINK" data-position="23" data-name="article-link" data-outcome="INTERNALLINK">factors that may impact the cost</a> of your policy include your ZIP code, the age of the home, the size of the home, your insurance claim history and the insurance company that underwrites your policy.</p> <p>Note that adding additional coverage through separate policies or endorsements, like flood insurance or earthquake insurance, will affect your premium. If you need to purchase additional policies or supplemental coverage beyond what’s typically included in a basic home insurance policy, your home insurance costs will increase. Flood or earthquake insurance may be required in some areas.</p> <p>To find the most affordable home insurance policy, it’s a good idea to shop around and <a href="https://www.bankrate.com/insurance/homeowners-insurance/home-insurance-quotes/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="get quotes" data-type="LINK" data-position="24" data-name="article-link" data-outcome="INTERNALLINK">get quotes</a> from a few different insurers. You might want to think about getting new quotes every year or after a major event, like getting married or making renovations, and not just when you move.</p> <h2 id="frequently-asked-questions">Frequently asked questions</h2> <ul class="Accordion w-full wp-block-accordion"> <li x-id="['panel-are-personal-belongings-covered-through-my-homeowners-insurance', 'heading-are-personal-belongings-covered-through-my-homeowners-insurance']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-are-personal-belongings-covered-through-my-homeowners-insurance')" :aria-controls="$id('panel-are-personal-belongings-covered-through-my-homeowners-insurance')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'"><h3 class="Accordion-title mr-2 md:flex-1 my-0"> Are personal belongings covered through my homeowners insurance? </h3> <p class="m-0 leading-none"><span class="Accordion-icon Icon mb-0 Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg></span></p> </button><div class="Accordion-contentWrapper" :id="$id('panel-are-personal-belongings-covered-through-my-homeowners-insurance')" :aria-labelledby="$id('heading-are-personal-belongings-covered-through-my-homeowners-insurance')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6"> Personal belongings are covered through homeowners insurance, but there are limits on specific items. High-value possessions, like jewelry and fine arts, are capped at set dollar amounts, so it’s important to know that you’ll need to add an endorsement to your homeowners insurance policy, known as <a href="https://www.bankrate.com/insurance/homeowners-insurance/scheduled-personal-property/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="scheduled personal property" data-type="LINK" data-position="25" data-name="article-link" data-outcome="INTERNALLINK">scheduled personal property</a>, if you have expensive items you want fully covered. Maintaining receipts and photos of your belongings as part of your home inventory could be very helpful if you ever need to file a claim. </div></div> </li> <li x-id="['panel-do-all-home-insurance-policies-include-the-same-coverage-types', 'heading-do-all-home-insurance-policies-include-the-same-coverage-types']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-do-all-home-insurance-policies-include-the-same-coverage-types')" :aria-controls="$id('panel-do-all-home-insurance-policies-include-the-same-coverage-types')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'"><h3 class="Accordion-title mr-2 md:flex-1 my-0"> Do all home insurance policies include the same coverage types? </h3> <p class="m-0 leading-none"><span class="Accordion-icon Icon mb-0 Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg></span></p> </button><div class="Accordion-contentWrapper" :id="$id('panel-do-all-home-insurance-policies-include-the-same-coverage-types')" :aria-labelledby="$id('heading-do-all-home-insurance-policies-include-the-same-coverage-types')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6"> No, not all home insurance policies include the same coverage types. Home insurance policies can vary significantly depending on the insurance provider, the type of policy purchased and any additional endorsements added to the policy. Standard HO-3 policies include the six coverage types listed above, but depending on the carrier, other coverage types may also be automatically included in a policy. There are <a href="https://www.bankrate.com/insurance/homeowners-insurance/types-of-homeowners-insurance/#ho3" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="other types of home insurance" data-type="LINK" data-position="26" data-name="article-link" data-outcome="INTERNALLINK">other types of home insurance</a> as well, with different coverage options, such as HO-4 insurance for renters. Checking your policy’s declarations page can show you what coverage types are included in your own policy. </div></div> </li> <li x-id="['panel-what-do-i-need-for-a-homeowners-insurance-quote', 'heading-what-do-i-need-for-a-homeowners-insurance-quote']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-what-do-i-need-for-a-homeowners-insurance-quote')" :aria-controls="$id('panel-what-do-i-need-for-a-homeowners-insurance-quote')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'"><h3 class="Accordion-title mr-2 md:flex-1 my-0"> What do I need for a homeowners insurance quote? </h3> <p class="m-0 leading-none"><span class="Accordion-icon Icon mb-0 Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg></span></p> </button><div class="Accordion-contentWrapper" :id="$id('panel-what-do-i-need-for-a-homeowners-insurance-quote')" :aria-labelledby="$id('heading-what-do-i-need-for-a-homeowners-insurance-quote')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6"> For a home insurance quote, most insurance agents and online quoting platforms will ask for information about your home, such as the age, square footage, roof material and more. If you have an existing policy, you can also provide the declaration page to ensure that you have a baseline for coverage types and limits. If you don’t have this, working with a licensed agent could help you determine what you need to insure your home. </div></div> </li> <li x-id="['panel-how-do-i-get-coverage-for-damage-not-covered-by-homeowners-insurance', 'heading-how-do-i-get-coverage-for-damage-not-covered-by-homeowners-insurance']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-how-do-i-get-coverage-for-damage-not-covered-by-homeowners-insurance')" :aria-controls="$id('panel-how-do-i-get-coverage-for-damage-not-covered-by-homeowners-insurance')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'"><h3 class="Accordion-title mr-2 md:flex-1 my-0"> How do I get coverage for damage not covered by homeowners insurance? </h3> <p class="m-0 leading-none"><span class="Accordion-icon Icon mb-0 Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg></span></p> </button><div class="Accordion-contentWrapper" :id="$id('panel-how-do-i-get-coverage-for-damage-not-covered-by-homeowners-insurance')" :aria-labelledby="$id('heading-how-do-i-get-coverage-for-damage-not-covered-by-homeowners-insurance')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6"> Most insurance companies offer the ability to purchase separate policies or add endorsements to home insurance in order to cover any gaps that may not be protected under primary coverage. These can be purchased for things like floods and earthquakes, mold and water damage, and additional coverage for specific valuables that you may keep in your home. Another financial protection tool, <a href="https://www.bankrate.com/real-estate/do-home-warranty-programs-pay-off/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="home warranty coverage" data-type="LINK" data-position="27" data-name="article-link" data-outcome="INTERNALLINK">home warranty coverage</a>, could also help pay for repairs when things are damaged or break that are not covered by your home insurance. </div></div> </li> </ul> <script type="application/ld+json">{"@context":"https:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Are personal belongings covered through my homeowners insurance?","acceptedAnswer":{"@type":"Answer","text":"Personal belongings are covered through homeowners insurance, but there are limits on specific items. High-value possessions, like jewelry and fine arts, are capped at set dollar amounts, so it’s important to know that you’ll need to add an endorsement to your homeowners insurance policy, known as scheduled personal property, if you have expensive items you want fully covered. Maintaining receipts and photos of your belongings as part of your home inventory could be very helpful if you ever need to file a claim.\n"}},{"@type":"Question","name":"Do all home insurance policies include the same coverage types?","acceptedAnswer":{"@type":"Answer","text":"No, not all home insurance policies include the same coverage types. Home insurance policies can vary significantly depending on the insurance provider, the type of policy purchased and any additional endorsements added to the policy. Standard HO-3 policies include the six coverage types listed above, but depending on the carrier, other coverage types may also be automatically included in a policy. There are other types of home insurance as well, with different coverage options, such as HO-4 insurance for renters. Checking your policy’s declarations page can show you what coverage types are included in your own policy.\n"}},{"@type":"Question","name":"What do I need for a homeowners insurance quote?","acceptedAnswer":{"@type":"Answer","text":"For a home insurance quote, most insurance agents and online quoting platforms will ask for information about your home, such as the age, square footage, roof material and more. If you have an existing policy, you can also provide the declaration page to ensure that you have a baseline for coverage types and limits. If you don’t have this, working with a licensed agent could help you determine what you need to insure your home."}},{"@type":"Question","name":"How do I get coverage for damage not covered by homeowners insurance?","acceptedAnswer":{"@type":"Answer","text":"Most insurance companies offer the ability to purchase separate policies or add endorsements to home insurance in order to cover any gaps that may not be protected under primary coverage. These can be purchased for things like floods and earthquakes, mold and water damage, and additional coverage for specific valuables that you may keep in your home. Another financial protection tool, home warranty coverage, could also help pay for repairs when things are damaged or break that are not covered by your home insurance.\n"}}]}</script> </div> <div id="top-funnel-content-end" class="text-center" > </div> <div class="flex flex-wrap gap-x-1 gap-y-4 justify-between w-full mb-10">  <button data-beam-element-clicked id="cite_us_article_button" data-type="button" data-location="What does homeowners insurance cover?" data-name="cite_us_button" data-position="footer" data-text="cite_us" data-outcome="cite us" class="transition-all cursor-pointer font-sans font-bold inline-flex justify-center items-center text-center no-underline tracking-tighter focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-offset-2 focus-visible:ring-blue-600 border rounded-full group py-2 px-4 min-h-10 text-sm sm:text-md sm:leading-none bg-white border-blue-600 text-blue-600 hover:border-blue-600 hover:bg-blue-600 hover:text-white focus-visible:border-blue-600 focus-visible:bg-blue-600 focus-visible:text-white active:border-blue-700 active:bg-blue-700 active:text-white" data-target="#cite-us-e900fd79-be4a-4462-b3ef-5b6fcf28e4b8-modal" > <svg class="mr-2" width="16" height="16" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Edit Icon</title><path d="M16.489 4.3c-.667 0-1.32.3-1.736.874l-8.97 12.24a4.537 4.537 0 0 0-.833 2.622l.028 2.432c0 .478.236.929.625 1.215.389.287.888.37 1.36.246l2.32-.669c1-.287 1.874-.902 2.471-1.735L20.64 9.41a2.11 2.11 0 0 0-.472-2.964l-2.402-1.722a2.144 2.144 0 0 0-1.263-.41l-.014-.013Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M4.407 21.856c.57.43 1.26.644 1.95.644l-.036-.012c.316 0 .63-.048.934-.131l2.024-.584a5.932 5.932 0 0 0 3.199-2.242l5.932-8.091a1.049 1.049 0 0 0 .092-.125l1.72-2.347a3.726 3.726 0 0 0-.836-5.246L17.289 2.22c-1.696-1.216-4.084-.858-5.332.823l-7.83 10.694a5.888 5.888 0 0 0-1.078 3.422l.025 2.122a3.208 3.208 0 0 0 1.333 2.575ZM17.492 9.507l1.19-1.624a1.84 1.84 0 0 0-.411-2.587l-2.097-1.502a1.871 1.871 0 0 0-1.103-.358l-.012-.012a1.86 1.86 0 0 0-1.515.763l-1.182 1.614 5.13 3.706ZM11.226 7.35l-5.51 7.52a3.96 3.96 0 0 0-.728 2.289l.025 2.122c0 .417.206.81.545 1.061.34.25.776.322 1.188.215l2.024-.585a4.02 4.02 0 0 0 2.157-1.514l5.428-7.402-5.129-3.706Z" class="icon-base"/></svg> <span class="text-base text-gray-900 group-hover:text-white"> Cite us </span> </button>  <div x-data x-init="$nextTick(() => { window.initModal('cite-us-e900fd79-be4a-4462-b3ef-5b6fcf28e4b8-modal', 1); })" > <template x-teleport="#modalStack"> <div id="cite-us-e900fd79-be4a-4462-b3ef-5b6fcf28e4b8-modal" class="Modal is-closed " role="dialog" aria-hidden="true" > <button class="Modal-overlay" data-target="cite-us-e900fd79-be4a-4462-b3ef-5b6fcf28e4b8-modal" aria-label="close" @click="" ></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" > <div class="p-6 bg-white shadow-xl rounded-lg max-w-3xl"> <div class="pb-6 border-b border-gray-100">  <strong class="type-heading-four m-0" id="cite-us-e900fd79-be4a-4462-b3ef-5b6fcf28e4b8-modal-title"> Quick citation guide </strong>  <span class="block type-size-one mt-1"> Select a citation to automatically copy to clipboard. </span> </div> <div class="flex flex-col text-gray-700 mt-6 gap-6"> <div id="apaClipboard" class="CiteUs-clipboard relative hover:bg-blue-100 rounded cursor-pointer" data-beam-element-clicked id="apa-button" data-type="BUTTON" data-location="what_does_homeowners_insurance_cover_page" data-name="clipboard_copy_todoroff_n_2024_october_25_what_does_homeowners_insurance_cover_bankrate_retrieved_november_25_2024_from_httpswwwbankratecominsurancehomeowners_insurancewhat_does_homeowners_insurance_cover" data-position="top" data-text="Todoroff, N. 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