How to find a homeowners insurance policy

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

If you can’t find or recall the details of your homeowners insurance policy, there are several ways to locate it.

To find your homeowners insurance policy, check your email for messages from your insurance provider, contact your insurance agent for a copy, and review your paper documents or recent billing statements. Your home insurance company can typically assist you in locating your policy information and provide you with a copy. Additionally, your mortgage lender may have a copy on file.

It’s wise to store a backup in a secure location like cloud storage or a physical safe so that you have access to your policy whenever you need it.

How to find your homeowners insurance company

Homeowners insurance isn’t 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 which company insures your home, start by checking your files for policy renewal letters or other documentation from the insurance company. If you don’t have any home insurance records, your mortgage lender will have the information on file.

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

Your home insurance company 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.”

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. The number will also be included in your billing statement. If your insurance is paid through an escrow account with your mortgage company, however, you may not receive bills.

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

You can also find the policy number by logging into your insurer’s website or mobile app to view your account.

QuickTake

Does homeowners insurance cover theft?

Guide to additional living expenses coverage

How to switch home insurance

Home insurance inspection: How to prepare a checklist

Homeowners insurance basics

Title insurance: What is it and do you need it?

Why you should hire a public insurance adjuster

Home insurance: How to avoid being underinsured

Working from home: The remote worker's guide to insurance

Do I need homeowners insurance?

Guide to home insurance for new construction

Does home insurance cover garages?

How having a roommate impacts your homeowners insurance coverage

How can I get homeowners insurance after non-renewal?

How to shop for homeowners insurance in five steps

Can a homeowners insurance company drop you?

How to read your homeowners insurance policy

How much home insurance do I need?

How to create a home inventory list

Your guide to home insurance deductibles

Home insurance exclusions: What does homeowners insurance not cover?

Types of homeowners insurance

What does homeowners insurance cover?

Insurance coverage for holiday catastrophes you’ve seen in the movies

11 astonishing things covered by home insurance

How much should I insure contents for a 2,400-square-foot home appraised at $600,000?

Hidden home insurance loopholes can shock you

Best ways to locate your 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 the details of someone else’s 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 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 do you need your 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 — 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.

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.