The average homeowners insurance costs $1,500/year nationally. See rates by state and learn how to lower your premium.
Average Annual Cost
National average for $250k dwelling
Average Monthly
Spread over 12 months
Potential Savings
With discounts & shopping
Home insurance rates vary significantly based on location and local risks
| State | Annual | Monthly |
|---|---|---|
| Hawaii | $499 | $42 |
| Vermont | $750 | $63 |
| Utah | $802 | $67 |
| Delaware | $838 | $70 |
| Nevada | $872 | $73 |
| Wisconsin | $986 | $82 |
| Arizona | $1,054 | $88 |
| Illinois | $1,236 | $103 |
| Texas | $1,967 | $164 |
| Florida | $2,219 | $185 |
Several factors determine how much you'll pay for homeowners insurance
Your state and ZIP code significantly impact rates due to weather risks, crime rates, and local building costs.
Higher-value homes cost more to insure because replacement costs are greater.
Higher deductibles mean lower premiums, but more out-of-pocket costs when you file a claim.
In most states, better credit scores lead to lower insurance rates.
Proven strategies to reduce your homeowners insurance cost
Combine home and auto insurance for discounts up to 25%.
Increasing from $500 to $1,000 can lower premiums significantly.
Install smoke detectors, security systems, and deadbolts.
Pay bills on time and reduce debt to improve your insurance score.
Compare quotes from multiple companies every year.
Claim-free, new home, and loyalty discounts can add up.
Rates vary based on your specific home and location. Get a personalized quote in minutes.
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