Pat Howard

Homeowners Insurance Expert


Pat Howard is a senior editor at Policygenius in New York City and an expert in homeowners insurance. He has written extensively about home insurance cost, coverage, and companies since 2018, and his insights have been featured on Investopedia, Lifehacker, MSN, Zola, HerMoney, and Property Casualty 360.


  • Pat has a B.A. in journalism from Michigan State University

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From insurance to estate planning to financial advice, every Policygenius article is thoroughly researched, written, and fact-checked by our team of experts. We're committed to giving you the transparent, up-to-date information you need to understand your financial options and help you make the right decisions.Read more about our editorial process.

Latest by Pat Howard

Replacement cost vs. market value

Updated July 21, 2021

What is HOA insurance?

Updated July 20, 2021

Understanding California FAIR Plan Insurance

Updated July 19, 2021

Cheapest home and auto insurance bundles of 2021

Updated July 14, 2021

How to file a homeowners insurance claim

Updated July 13, 2021