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Most people who own a house have a homeowners insurance policy. But if you’ve never had to use your coverage, it’s easy to lose track of your policy information. 

In the event of a claim, you’ll need to know your insurance provider and policy details. 

Fortunately, locating your home insurance policy information is usually very easy. Read on to learn more. 

How to find homeowners insurance by address

Homeowners insurance isn’t a public record. There’s no centralized database that logs every home insurance policy in the country. As a result, you won’t be able to find your policy by simply searching your home’s address on the internet.

To figure out who your insurer is you should check all your insurance paperwork to find the provider’s name. If you don’t have any home insurance records, your mortgage lender might have the information on file.

If you know your home insurance provider, insurance agents from the insurance company can likely track down your policy using your address if you don’t have any other information. Generally speaking, it’s much easier to get a hold of your policy details than to identify your home insurance provider.

How do I get a copy of my homeowners insurance policy?

Home insurance companies can help you track down your policy information and provide you with a copy of your policy. 

“If you need a copy of your policy, reach out to your homeowners insurance company and they should be able to send you that information via mail or email,” says Jennifer Wilbert, assistant vice president of property portfolio for personal insurance property strategy at Travelers.

“Additionally, many insurers now offer mobile apps and websites where the insured can find a lot of information,” she adds. “If you can download an app on your phone or tablet, this is a great way to access and manage your policy information and keep in touch with your insurer.”

If you lose track of your home insurance policy, it’s a good idea to download and print a physical copy of your policy documents to keep with your other important files. That way, the information is easily accessible if you ever have to file a claim.

How to find a home insurance policy number

Your home insurance policy number is printed on your hard copy and digital insurance documents, sometimes called an insurance binder. The number might also be included in your billing statement. 

If you’re looking through your insurance documents, the policy number is typically mentioned near the top of the page.

Where can I find my homeowners insurance policy? 

To find your homeowners insurance policy, you can follow these steps:

  • Check your email: If you received your policy electronically, search your email inbox for any messages from your insurance provider or agent. 
  • Contact your insurance agent: If you have an insurance agent, reach out to them by phone or email. They should be able to provide you with a copy of your homeowners insurance policy.
  • Review your paper documents: If you received a hard copy of your policy, search your personal records, including folders, filing cabinets, or storage boxes. 
  • Check your billing statements: Review your recent billing statements from your insurance provider. Sometimes, policy information or contact details may be included in these statements.
  • Contact your mortgage lender: If you have a mortgage on your home, your lender may have a copy of your homeowners’ insurance policy on file. 

It’s always a good idea to keep a backup of your policy in a secure location, such as a cloud storage service or a physical safe.

How to find out if someone else has homeowners insurance

If you need to find a homeowner’s insurance company, the best approach is to contact the homeowner directly. They can provide you the name of their insurance company if you meet with an accident at their property and you need to file a claim in case of an injury at their home.

In most cases, injuries that happen at someone’s home fall under their liability or medical payments coverage, provided that they have home insurance. If the homeowner has this type of coverage, you should be able to receive compensation for your injury. 

Frequently asked questions

Is homeowners insurance public record?

No, homeowners insurance is not typically public record. Homeowners insurance policies are private agreements between the homeowner and the insurance company. The details of those policies are generally not made available to the public. 

Why would you need homeowners insurance policy information?

Having home insurance coverage is incredibly beneficial, even if it’s not a requirement. However, it’s just as important to know your policy information.

“If you have a loss and need to file a homeowners insurance claim, you’ll need to know your insurance information — including your policy number, what type of coverage you have, etc. — to initiate that process,” says Wilbert.

She adds that it’s also beneficial to understand your coverage if you plan to upgrade or renovate your home. You should make sure those enhancements, whether a pool or a new electrical system, are covered if that something is damaged.

Can you find a policy using a CLUE report?

A Comprehensive Loss Underwriting Exchange (CLUE) report provides an in-depth look at the property insurance claims history for a home or dwelling, says Wilbert. 

But while every house has a unique CLUE report, you won’t find any information about your home insurance policy on the document.

A CLUE report is a good resource to have if you are looking to purchase a new house because it can tell you if insurance claims were filed and why they were filed. However, it doesn’t include any insurance details about the policy itself.

Do mortgage lenders require home insurance?

Most lenders require you to purchase a home insurance policy when you take out a mortgage.

Home insurance coverage protects you and the mortgage company and lender if something happens to your home. To get a mortgage, you will need to provide the name of your insurance company, your policy number, and your coverage details, like the policy limits and endorsements.


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Shivani Gite
Contributing Writer


Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.