Homeowners insurance is primarily regulated at the state level in the United States. Each state has its own insurance department or regulatory body 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 stable insurance market. State insurance departments play a crucial role in licensing insurance companies, reviewing and approving insurance policy forms, monitoring the financial solvency of insurers, and handling consumer complaints related to homeowners insurance. Additionally, some aspects of homeowners insurance may also be subject to federal regulation, particularly in areas such as flood insurance through the National Flood Insurance Program (NFIP) administered by the Federal Emergency Management Agency (FEMA). It's important to note that while state regulations form the backbone of homeowners insurance governance, federal laws and agencies can also have an impact on certain aspects of this type of insurance.