Pat Howard
Managing Editor & Licensed Home Insurance Expert
About
Pat Howard is a managing editor and licensed home insurance expert 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
VentureBeat, Consumers question AI-driven insurance claims review
Better Homes & Gardens, 15 Ways to Reduce Your Home Insurance Costs
Real Simple, How to Prepare Financially for a Natural Disaster
Fox Business, How to decide if you need flood insurance for your home
Investopedia, Does Homeowners Insurance Cover Mold?
Quicken Loans, Insurance And Working From Home: What’s Covered?
Lifehacker, Insure Your New Engagement Ring Right Now
AAA's Via Magazine, What to Do When Your Child Breaks Something
PropertyCasualty360, Consumers voice unease with AI-only home & auto claims
Homelight, Can You Change Homeowners Insurance? Your Definitive Guide to Switching Providers
Canadian Underwriter, Empty nest: How to talk to your clients about vacant home policies
Bolt Insurance, How Insurance Agents Can Rely On Referrals From Financial Advisors
Past work
Thought Leadership, Consumers Wary of AI-Driven Insurance
Fatherly, This Map Shows The Best And Worst States For Climate Change
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.comPolicygenius 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.comPolicygenius 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 happens if you fail a house inspection?
Updated | 4 min read
Failing your homeowners insurance inspection means your insurer may cancel your policy or deny you coverage. If you’re not able to make immediate improvements to the property, you’ll need to find a company that will take on the risk.
Home insurance renewal: What you need to know
Updated | 5 min read
Home insurance renewal usually happens automatically, though it’s still a great time to review your policy to see if you can find better coverage or cheaper rates elsewhere.
Best homeowners insurance in San Jose, CA (2024)
Updated | 5 min read
We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in San Jose.
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