Pat Howard

Senior Editor & Licensed Home Insurance Expert

Expertise

Homeowners insurance, commercial property and general liability insurance, and catastrophe insurance

Education

Michigan State University (BA, Journalism)

Featured in

MarketWatch, Real Simple, Fox Business, HerMoney, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Gardens, Zola, Property Casualty 360

About

Pat Howard is a senior editor and licensed home insurance agent at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Experience highlights

  • Pat is a licensed property and casualty insurance agent in New York state with three years of experience covering homeowners insurance for Policygenius.

  • In addition to writing about home insurance, Pat also spearheads larger projects like the 2021 Policygenius Home & Auto Insurance Technology Survey

  • As our resident home insurance expert, Pat is often featured in the press on topics like lowering the cost of home insurance insurance and preparing your home (and insurance policy) for a natural disaster.

In the press

Past work

Want to interview a Policygenius expert?

Journalist on a deadline? Our press team can connect you with our experts to discuss insurance, personal finance, and more. They’re also pretty friendly.

press@policygenius.com

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

Want to interview a Policygenius expert?

Journalist on a deadline? Our press team can connect you with our experts to discuss insurance, personal finance, and more. They’re also pretty friendly.

press@policygenius.com

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

Pro tip

Pat Howard

When shopping for a home insurance policy, don’t just look at one quote and call it a day — read company reviews and check customer satisfaction and claims ratings. Make sure the insurance company is capable of keeping their end of the bargain.

Selected stories from Pat

What’s the difference between a tropical storm and a hurricane?

Updated  | 5 min read

The main difference between the two is wind speed. A storm with winds between 39 and 73 mph is a tropical storm. Once winds reach 74 mph, it becomes a hurricane.

Read more

Flood insurance in Indiana: How much is it & what does it cover?

Published May 13, 2022 | 4 min read

The average cost of flood insurance in Indiana is $97 per month. If you live near a flood plain or major river, you should consider flood insurance to protect your home and belongings from costly water damage.

Read more

Flood insurance in Louisiana: How much is it & what does it cover?

Published May 12, 2022 | 4 min read

Much of Louisiana is prone to flooding, so Pelican State residents in high-risk areas should consider flood insurance to protect their home and belongings from expensive flood damage.

Read more