Homeowner insurance is regulated by state insurance departments in the United States. Each state has its own insurance department that oversees the insurance industry within its jurisdiction. These departments are responsible for ensuring that insurance companies comply with state laws and regulations, protecting consumers, and promoting a competitive insurance marketplace. The specific regulations and requirements for homeowner insurance can vary from state to state, but they generally cover areas such as policy provisions, rates, underwriting practices, claims handling, and solvency requirements. State insurance departments may also provide resources and assistance to consumers who have questions or issues related to their homeowner insurance policies. It's important for homeowners to familiarize themselves with the regulations and requirements in their state to ensure they are adequately protected and to address any concerns or complaints they may have.