You can't find out if someone has homeowners insurance just by knowing their address. 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.