How to Find Out Homeowners Insurance by Address

You can't find out if someone has homeowners insurance just by knowing their address, even if there are times where you need to verify if a property has homeowners insurance coverage. Home insurance details are private, and there’s no centralized database that allows you to check a property's insurance status.

If you need to confirm whether a home is insured (for example, if you were injured on someone’s property) you must ask the homeowner directly. Accessing insurance information without permission would violate privacy laws, so it's important to approach these conversations respectfully and seek consent before discussing any coverage details. Home insurance policies are confidential by design, and only the homeowner or their insurer can voluntarily share that information.

Forgetting your homeowners insurance provider details is more common than you might think, so don't panic. There are several reliable ways to track down your policy information quickly, whether you need to file a claim, update your coverage or switch insurers.

If you still can't find your homeowners insurance information after checking your records, it may be easier to start fresh by comparing cheaper home insurance options. Switching to a new provider can help you get better rates and make sure you keep your policy details organized moving forward.

To avoid future stress, keep a digital and physical file of all your insurance documents and make sure your contact information is always up to date. Review your policy regularly to confirm that your coverage still fits your needs.

If you don’t currently have homeowners insurance, first get quotes and secure coverage as soon as possible. You can find a policy that protects your home and fits your budget. Below, we explain the best ways to get home insurance quotes based on your address.

Insurance availability and rates vary by state and individual risk factors. Not all coverage options may be available in all locations.

You can’t find out if a vacant or abandoned property is insured just by looking it up. Like all homeowners insurance policies, coverage information is private and protected. Unless you're the property owner or have written authorization, insurers won’t release those details.

But here are a few situations where insurance status might come into play:

• If you're an investor or buyer: The seller or their agent may disclose whether a vacant home has active insurance, especially during the due diligence process. They’re not required to share policy details unless it’s relevant to the transaction, though.
• If you're a neighbor concerned about liability: For issues like falling trees or fire hazards, your best bet is to contact local authorities or code enforcement. They may be able to reach the property owner directly.
• If you’ve been injured on the property: In legal or liability matters, an attorney may request insurance information through formal channels.

Vacant and abandoned homes are often harder and more expensive to insure due to the increased risk of damage, vandalism or unnoticed issues. If you're considering buying or taking responsibility for such a property, make sure you talk to an insurer early to understand your coverage options.

On this page, we explained how to find homeowners insurance by address, whether you're trying to recover your own policy details or shop for new coverage. You can't look up someone else's insurance by their address; you must ask them directly.

If you need a policy for your home, gathering quotes from multiple insurers or using an online homeowners insurance tool can help you find the right fit. Understanding how to locate or secure coverage ensures you protect your home, one of your most valuable investments.

Finding homeowners insurance by address depends on what you're trying to do. You can't access someone else's insurance details without their permission, but finding your own coverage information or getting new quotes is much easier. Below, we answer common questions about how to find homeowners insurance linked to your property.

Why Trust MoneyGeek

At MoneyGeek, we base our homeowners insurance advice on real data and extensive industry analysis. We use official rate filings from state insurance departments across all 50 states, combined with pricing data from Quadrant Information Services, to help you make smarter decisions about your coverage options.

How We Evaluated Home Insurance Companies

Our review process includes analyzing insurance premiums, coverage options and policy features using Quadrant’s database. We focused on both standard homeowners insurance policies and expanded coverage options designed for higher-value homes.

Homeowner Profile Used for Rate Comparisons

To ensure consistent comparisons across insurers, we used a standardized homeowner profile with the following characteristics:

• Credit score between 769 and 792
• Home built in 2000
• Wood-frame construction
• Composite shingle roof

Coverage Details Used in Our Analysis

Unless otherwise noted, quotes were based on these standard coverage amounts:

• $250,000 in dwelling coverage
• $125,000 in personal property coverage
• $200,000 in personal liability coverage
• $1,000 deductible

We also reviewed policies modeled for higher-value homes, including:

• $1 million in dwelling coverage
• $500,000 in personal property coverage
• $1 million in personal liability coverage

This approach allowed us to identify insurers that offer strong options for both typical homeowners and those needing more comprehensive protection.