{"id":320723,"date":"2025-11-07T17:06:44","date_gmt":"2025-11-07T22:06:44","guid":{"rendered":"https:\/\/www.reviews.com\/?p=113867"},"modified":"2025-11-07T17:06:45","modified_gmt":"2025-11-07T22:06:45","slug":"homeowners-insurance-cost","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/homeowners-insurance-cost\/","title":{"rendered":"How Much Does Homeowners Insurance Cost?"},"content":{"rendered":"\n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Latest benchmarks show the U.S. average homeowners premium sits in the low-to-mid $2,000s for a typical HO-3 policy in 2025, based on standardized quote datasets from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>, while the most recent audited averages from the <a href=\"https:\/\/content.naic.org\">NAIC (2022)<\/a> are lower because they reflect earlier market conditions and a broad mix of coverages.<\/li><li>Location is still the dominant driver of price: 2025 market snapshots consistently place Florida and Louisiana among the most expensive states, with elevated costs across the central severe convective storm corridor (Oklahoma, Texas, Kansas, Nebraska). Lower\u2011risk states such as Hawaii, Vermont, New Hampshire, Delaware and Utah tend to post the lowest averages. See the 2025 state tables from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>.<\/li><li>Premiums have risen materially since 2021 due to higher catastrophe losses, reinsurance costs, and rebuild inflation. The BLS household insurance CPI shows sustained price increases into 2025 (<a href=\"https:\/\/data.bls.gov\/timeseries\/CUSR0000SEHF\">BLS<\/a>), while industry research documents rising loss severity and catastrophe impacts (<a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis U.S. Home Trends 2025<\/a>).<\/li><\/ul>\n\n\n\n<p>One of the most asked questions is \u201chow much is homeowners insurance?\u201d A practical way to frame it in 2025: reputable quote-based datasets place a typical HO-3 policy\u2019s national average in the low-to-mid $2,000s per year, whereas the latest audited average from the <a href=\"https:\/\/content.naic.org\">NAIC (2022)<\/a> is lower because it reflects earlier conditions and mixes of coverage. Actual prices vary widely by state and profile \u2014 2025 tables show considerably higher averages in catastrophe-exposed states (e.g., Florida\/Louisiana) and lower averages in less hazard\u2011exposed states (e.g., Hawaii, Vermont, New Hampshire), per <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>.<\/p>\n\n\n\n<p>Many people look for ways to save money on <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/buyers-guide\/\">home insurance<\/a>. You can\u2019t easily change geographic risk, but you can capture meaningful credits with mitigation and shopping. Insurers commonly discount for protective devices per the <a href=\"https:\/\/www.iii.org\/article\/how-to-reduce-your-homeowners-insurance-costs\">Insurance Information Institute<\/a> (e.g., ~5% for basics like smoke alarms\/deadbolts, and larger credits for centrally monitored burglar\/fire systems). Newer programs increasingly recognize verified alarms and water\u2011loss mitigation: systems that support alarm verification standards such as <a href=\"https:\/\/tma.us\/avs-01\/\">TMA AVS\u201101<\/a> and smart leak sensors\/automatic shutoff valves align with insurer efforts to reduce non\u2011weather water losses, a major cost driver noted by <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis<\/a>. Bundling can also help; some carriers publicly advertise sizeable bundle savings (e.g., Allstate cites up to ~25% off auto when bundled with home \u2014 see <a href=\"https:\/\/www.allstate.com\">Allstate discounts<\/a>), which often translates into a lower combined bill for households that place home and auto together.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Average Homeowners Insurance Cost by State<\/h2>\n\n\n\n<p>For apples\u2011to\u2011apples, audited state comparisons use the <a href=\"https:\/\/content.naic.org\">NAIC\u2019s 2022 average expenditures<\/a>. To understand what consumers are paying now, consult 2025 state-by-state quote tables from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>, which generally show Florida and Louisiana as the most expensive and lower averages in states like Hawaii, Vermont, New Hampshire, Delaware and Utah. Recent loss and market dynamics (e.g., severe convective storms, wildfire\/hurricane risk, and reinsurance) help explain elevated 2025 pricing; see <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis U.S. Home Trends 2025<\/a> and the <a href=\"https:\/\/data.bls.gov\/timeseries\/CUSR0000SEHF\">BLS CPI<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>State<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Alabama<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Alaska<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Arizona<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Arkansas<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>California<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Colorado<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Connecticut<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Delaware<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Florida<\/td><td>Among the highest in 2025; see: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Georgia<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Hawaii<\/td><td>Frequently among the lowest in 2025; see: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Idaho<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Illinois<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Indiana<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Iowa<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Kansas<\/td><td>Elevated in 2025 datasets; see: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Kentucky<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Louisiana<\/td><td>Among the highest in 2025; see: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Maine<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Maryland<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Massachusetts<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Michigan<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Minnesota<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Mississippi<\/td><td>Elevated coastal exposure; see 2025: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Missouri<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Montana<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Nebraska<\/td><td>Elevated in 2025 datasets; see: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Nevada<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>New Hampshire<\/td><td>Frequently among the lowest in 2025; see: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>New Jersey<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>New Mexico<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>New York<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>North Carolina<\/td><td>Coastal exposure; see 2025: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>North Dakota<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Ohio<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Oklahoma<\/td><td>Elevated in 2025 datasets; see: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Oregon<\/td><td>Frequently below national average in 2025; see: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Pennsylvania<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Rhode Island<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>South Carolina<\/td><td>Coastal exposure; see 2025: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>South Dakota<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Tennessee<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Texas<\/td><td>Elevated in 2025 datasets; see: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Utah<\/td><td>Frequently among the lowest in 2025; see: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Vermont<\/td><td>Frequently among the lowest in 2025; see: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Virginia<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Washington<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Washington D.C.<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>West Virginia<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Wisconsin<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><tr><td>Wyoming<\/td><td>See 2025 quoted avg: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Use two complementary views: (1) the latest audited averages from the <a href=\"https:\/\/content.naic.org\">NAIC (2022)<\/a>, and (2) current 2025 quoted averages by state from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>. Methods differ (coverage limits\/deductibles), and premiums have generally increased since 2022 (see <a href=\"https:\/\/data.bls.gov\/timeseries\/CUSR0000SEHF\">BLS CPI<\/a>).<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 5 Most Expensive States for Home Insurance<\/h2>\n\n\n\n<ul><li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-oklahoma\">Oklahoma<\/a>: Consistently elevated due to hail\/tornado risk; 2025 datasets place Florida and Louisiana at the very top nationally (often $3,000\u2013$4,000+), with Oklahoma among other high-cost states in the storm belt \u2014 see state tables from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-nebraska\/\">Nebraska<\/a>: High exposure to severe convective storms keeps averages elevated in 2025; rankings vary but remain in the upper tier per <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-kansas\/\">Kansas<\/a>: Among the storm\u2011belt states with higher 2025 averages; elevated hail\/wind losses cited in <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis<\/a> research.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-arkansas\/\">Arkansas<\/a>: Regional storm activity and rebuild\u2011cost inflation contribute to higher premiums relative to the national average in 2025.<\/li><li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-new-mexico\/\">New Mexico<\/a>: Wildfire\/hail exposures drive localized increases; 2025 averages vary widely by ZIP code and coverage choices (see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Top 5 Cheapest States for Home Insurance<\/h2>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-hawaii\/\">Hawaii<\/a>: Regularly among the lowest statewide averages in 2025 state tables.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-utah\/\">Utah<\/a>: Typically below the national 2025 average based on quoted datasets.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-delaware\/\">Delaware<\/a>: Frequently on the low\u2011cost end in 2025 comparisons.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-vermont\/\">Vermont<\/a>: Often listed among the cheapest states in 2025 tables.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-oregon\/\">Oregon<\/a>: Generally below national averages in 2025; exact amounts depend on coverage profile. See <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a> and <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Average Premium by Credit Tier&nbsp;<\/h2>\n\n\n\n<p>Some insurance companies use customer credit history to predict the likelihood that you&#8217;ll <a href=\"https:\/\/www.nh.gov\/insurance\/consumers\/documents\/cred_score_.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">file claims<\/a>. Poor credit history typically corresponds to higher claims because of risk. In homeowners insurance, recent analyses show that policyholders with poor credit often pay roughly 50%\u2013100% more than those with excellent credit for similar coverage, with large absolute gaps in catastrophe\u2011exposed regions where base premiums are higher (<a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>; policy context from <a href=\"https:\/\/content.naic.org\/cipr-topics\/credit-based-insurance-scores\">NAIC<\/a>).<\/p>\n\n\n\n<p>However, state rules differ. For homeowners insurance, Maryland and Oregon significantly restrict adverse use of credit (allowing favorable or neutral use with disclosures) \u2014 see <a href=\"https:\/\/insurance.maryland.gov\">Maryland Insurance Administration<\/a> and <a href=\"https:\/\/www.oregonlegislature.gov\/bills_laws\/ors\/ors746.html\">Oregon statutes<\/a>. Washington currently permits credit-based scoring in personal lines subject to consumer protections (<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" class=\"achor-toggles\" href=\"https:\/\/www.nytimes.com\/2017\/05\/05\/your-money\/poor-credit-history-can-affect-homeowners-insurance-rates.html\" target=\"_blank\">news background<\/a>; regulator status: <a href=\"https:\/\/www.insurance.wa.gov\">Washington OIC<\/a>). For auto insurance (distinct from home), California, Hawaii and Massachusetts prohibit use of credit information and Michigan bars use of \u201ccredit score\u201d in rating (<a href=\"https:\/\/content.naic.org\/cipr-topics\/credit-based-insurance-scores\">NAIC<\/a>; <a href=\"https:\/\/www.ncsl.org\/financial-services\/use-of-credit-information-in-insurance\">NCSL<\/a>; <a href=\"https:\/\/www.legislature.mi.gov\/Laws\/MCL?objectName=mcl-500-2111\">Michigan statute<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What determines the cost of homeowners insurance?<\/h2>\n\n\n\n<p>Along with the geographic location, age and condition of your home, here are other factors that affect homeowners insurance cost: catastrophe exposure (wind, hail, hurricane, wildfire), reinsurance costs passed through to primary rates, materials and labor inflation that raise rebuild costs, and the coverage limits and deductibles you select. Market indicators (e.g., the <a href=\"https:\/\/data.bls.gov\/timeseries\/CUSR0000SEHF\">BLS household insurance CPI<\/a>), insurer pricing trackers (<a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>), and loss research (<a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis U.S. Home Trends 2025<\/a>) point to continued upward pressure in many states.<\/p>\n\n\n<div id=\"block_60bf9387d5054\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Claims history<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Claims in the past for events such as stolen items, a dog bite or the aftermath of extreme weather could cause home insurance costs to go up. According to the<\/span><a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"> Insurance Information Institute<\/span><\/a><span style=\"font-weight: 400;\">, one in 20 homes file a claim each year, with wind or hail as the most frequent and fire and lightning the costliest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Recent industry research also points to rising severity driven by repair costs and catastrophe mix, which can influence rates at renewal for households with prior losses (see <a href=\"https:\/\/risk.lexisnexis.com\/insights-resources\/research\/us-home-trends-report\">LexisNexis U.S. Home Trends 2025<\/a>).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An insurance carrier may flag a policyholder as higher-risk and more likely to file more claims after the initial one. The company may offset the cost of the claim by charging higher premiums in the future.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60bf9390d5055\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">ZIP Code<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The chart above shows how homeowners insurance rates vary according to the state. But even within a state, premiums could be higher or lower depending on the area. Some areas may be more prone to events such as storms, flooding or wind damage than others in the same state. Or crime for a certain neighborhood leads to an increase in claims \u2014 and higher premiums.<\/span><span style=\"font-weight: 400;\"> Risk can vary block by block in wildfire, hail, and flood zones; insurers increasingly use granular risk signals and catastrophe models to reflect this in pricing and eligibility (context: <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA billion-dollar disasters<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60bf9391d5056\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Personal property<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The personal property portion of a home insurance policy pays to repair or replace items such as clothing, furniture, jewelry, electronics, instruments, and more. Depending on the value of the items, the personal property limit could affect the home insurance cost. Adding endorsements for higher-value items such as diamonds or collectible watches may also be necessary, since most standard home policies do not typically cover such expensive items. Each endorsement carries its own additional fee.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60bf9393d5057\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Home conditions<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">A home\u2019s condition and features can contribute to homeowners insurance costs. Older homes may have wiring that is no longer up-to-code could be seen as more prone to causing a fire, while homes with swimming pools may be more at a higher risk for liability claims.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some homes may not be built to withstand the elements as well as a newer house, or may not hold up during extreme weather. Some features that could affect the cost of homeowners insurance include the year built, roof type and age, construction type, and whether the home has features such as security gates or storm shutters. In wind- and hail-prone regions, insurers may apply roof-specific terms (e.g., actual cash value on older roofs) and separate percentage deductibles for hurricanes or named storms (<a href=\"https:\/\/www.iii.org\/article\/how-hurricane-deductibles-work\">III overview<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60bf93efd5058\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Coverage<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Coverage limits can be adjusted to lower the home insurance cost. Most policies allow homeowners to set a limit for the dwelling\/structures, personal property, liability, and additional living expenses. A home with a dwelling limit of $150,000 will have a far lower home insurance bill than a million-dollar house. Depending on the amounts chosen, coverage could increase \u2014 or decrease \u2014 significantly.<\/span><span style=\"font-weight: 400;\"> In coastal states, separate hurricane or named-storm deductibles (often 1%\u20135% of Coverage A) are common, and endorsements for wind\/hail or wildfire mitigation may affect eligibility and pricing (<a href=\"https:\/\/www.iii.org\/article\/how-hurricane-deductibles-work\">III<\/a>; <a href=\"https:\/\/insurance.ca.gov\/01-consumers\/Disasters\/Sustainable-Insurance-Strategy.cfm\">California Sustainable Insurance Strategy<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Components of Home Insurance Policies<\/h2>\n\n\n\n<p>The average home insurance policy is made up of several parts. They are:<\/p>\n\n\n\n<ul><li><strong>Dwelling\/Structures<\/strong>: The main part of the home insurance policy, it covers the repair or replacement of a home\u2019s \u201cfour walls\u201d or physical structures. Dwelling refers to anything attached to the home, such as a porch or garage. Structures refers to non-attached items such as a tool shed, gazebo, or free-standing carport. There is no standard dwelling limit because the amount depends on the value of the home.<\/li><li>Personal property: This portion covers personal belongings such as furniture, clothes, appliances, keepsakes, and more. The standard coverage amount is typically 50% to 70% of the dwelling limit.&nbsp;<\/li><li>Personal liability: Personal liability is designed to protect the homeowner against legal issues due to injuries or damages that occurred to guests or third parties. It includes injuries if a pet bites someone, even if the bite happened off the property. LImits are typically <a href=\"https:\/\/www.iii.org\/article\/how-much-homeowners-insurance-do-you-need\">$300,000 to $500,000 in coverage<\/a>. However, the higher the coverage limit for personal liability, the higher the homeowners insurance cost.<\/li><li><strong>Additional living expenses<\/strong>: If a home burns down or cannot be occupied after a covered peril, additional living expenses coverage pays for the homeowner\u2019s costs to live elsewhere while the home is repaired or rebuilt. Covered expenses include reasonable amounts for food, toiletries, and housing\/hotel stays. The daily limit depends on the overall limit of a home insurance policy and can be adjusted higher or lower.<\/li><li>Flood insurance: This type of coverage is excluded from most home insurance policies, so it has to be purchased as a separate policy, one of the most common ways of getting it is with <a href=\"https:\/\/www.fema.gov\"><strong>FEMA<\/strong><\/a> or a private insurer could also offer it as an add-on. FEMA\u2019s Risk Rating 2.0 continues to phase in property-specific pricing with annual caps on most renewal increases (generally up to 18%); see FEMA\u2019s 2025 program update <a href=\"https:\/\/www.fema.gov\">here<\/a>.<\/li><li>Earthquake insurance: Another coverage that is excluded from most policies, you can buy it as a rider to your main policy, making it more affordable than buying it separately. Not all homeowners insurance providers offer this option. In California, roughly about one in ten households carries quake insurance through the CEA or private carriers; see <a href=\"https:\/\/www.earthquakeauthority.com\">CEA statistics<\/a>.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How to Lower Home Insurance Costs<\/h2>\n\n\n\n<p>To get the best rate on your home insurance, consider taking the following steps.<\/p>\n\n\n\n<ol><li>Tally the cost of your belongings\/house contents to determine <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/\">how much home insurance you need<\/a> for personal property.<\/li><li>Collect information about your house, such as age it was built, square footage and other property information.<\/li><li>Install a home security system, deadbolt locks or smoke detectors to help lower your premiums. Insurers often provide credits of around 5% for basic devices and higher discounts for centrally monitored fire\/burglar systems (<a href=\"https:\/\/www.iii.org\/article\/how-to-reduce-your-homeowners-insurance-costs\">III<\/a>). Choose systems that support alarm verification (e.g., <a href=\"https:\/\/tma.us\/avs-01\/\">TMA AVS\u201101<\/a>) to reduce false alarms and improve response.<\/li><li>Collect quotes from several home insurance carriers using the information you collected. Start with your car insurance carrier \u2014 you may get the lowest rates when you bundle home and auto insurance. Some carriers publicly advertise large bundle savings on auto when paired with home (e.g., up to ~25% with Allstate \u2014 see <a href=\"https:\/\/www.allstate.com\">Allstate<\/a>), which can translate into a lower combined bill.<\/li><li>Compare prices from the quotes you collected to choose the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best home insurance company<\/a>.<\/li><li>Review a carrier\u2019s discounts available to further reduce your premium. Beyond security devices, look for pay\u2011in\u2011full, autopay\/paperless, and loyalty; for loss mitigation, consider smart leak sensors and an automatic water shutoff \u2014 a focus area for insurers given non\u2011weather water losses (<a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis<\/a>).<\/li><li>Raise the deductible, keeping in mind to not go overboard \u2014 you may need to pay the amount out of pocket one day if you file a claim. In some states, separate hurricane\/named\u2011storm or wind\/hail percentage deductibles apply (<a href=\"https:\/\/www.iii.org\/article\/how-hurricane-deductibles-work\">III<\/a>).<\/li><li>Prepay the annual premium or set automatic payments for a small, additional discount.<\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Home Insurance FAQ <\/h2>\n\n\n<div id=\"block_5f89e9d294614\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is homeowners insurance on average?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">In 2025 market snapshots, a typical HO-3 policy averages in the low-to-mid $2,000s per year using standardized quote profiles (<a href=\"https:\/\/www.bankrate.com\">Bankrate 2025<\/a>; <a href=\"https:\/\/www.insurance.com\">Insurance.com 2025<\/a>). The latest audited averages from the <a href=\"https:\/\/content.naic.org\">NAIC (2022)<\/a> are lower because they reflect earlier market conditions and a broad mix of coverages. Your price depends on where you live, your home\u2019s characteristics, coverage limits and deductibles, and insurer underwriting.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f89e9e694615\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is covered by homeowners insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average homeowners insurance covers the cost of replacing, rebuilding or repairing a home and its contents against covered perils. In addition, home insurance includes liability insurance to protect the homeowner against legal costs, as well as medical bills to cover small injuries guests suffered on the property. Covered perils include theft, fire, windstorm, hail, falling objects and more. However, flooding and earthquake damages are not covered in a standard home policy and would need to be added. In coastal states, hurricane or named-storm percentage deductibles commonly apply (<a href=\"https:\/\/www.iii.org\/article\/how-hurricane-deductibles-work\">III guidance<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f89e9f694616\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much coverage do I need?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">There are various <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/types-of-policies\/\"><span style=\"font-weight: 400;\">policy types<\/span><\/a><span style=\"font-weight: 400;\"> as there are needs for each homeowner; thus, there is not a one-size-fits-all answer on how much coverage you need. But there are things that you can do to estimate your homeowners insurance and to understand better <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/\"><span style=\"font-weight: 400;\">how much home insurance you need<\/span><\/a><span style=\"font-weight: 400;\">. To calculate this, we recommend checking the insurance coverage limits and performing<\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-to-perform-home-inventory\/\"><span style=\"font-weight: 400;\"> a home inventory<\/span><\/a><span style=\"font-weight: 400;\">, including your personal belongings. Another thing is to consider that if you live in an area prone to natural disasters, you should make sure that the policy that you have covers these hazards. Should anything unexpected happen, you will need coverage that will protect all your belongings. If flood risk is a concern, note that FEMA\u2019s Risk Rating 2.0 is phasing in property-specific flood premiums with annual caps on most renewal increases (<a href=\"https:\/\/www.fema.gov\">FEMA 2025 program changes<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60bf9454d5059\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What are the main factors that affect how much home insurance costs?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Average homeowners insurance costs are affected by several factors. The most significant include location, the value, age and condition of a home, previous claims and the policy limits set. Recent price pressures also reflect catastrophe losses (hail, wind, wildfire, hurricane), higher reinsurance costs, and rebuild-cost inflation (<a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis U.S. Home Trends 2025<\/a>; <a href=\"https:\/\/data.bls.gov\/timeseries\/CUSR0000SEHF\">BLS CPI<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com references two complementary data views for current, transparent comparisons: (1) the latest audited averages from the <a href=\"https:\/\/content.naic.org\">NAIC (2022)<\/a>, and (2) 2025 quote-based averages by state from reputable consumer research (e.g., <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.insurance.com\">Insurance.com<\/a>). NAIC figures reflect insurer-reported expenditures and 2022 market conditions; quote datasets simulate standardized profiles and show today\u2019s pricing levels. Do not compare the dollar values directly without labeling. Market context on price changes since 2022 is supported by the <a href=\"https:\/\/data.bls.gov\/timeseries\/CUSR0000SEHF\">BLS household insurance CPI<\/a>, <a href=\"https:\/\/www.policygenius.com\">Policygenius pricing tracker<\/a>, and <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis U.S. Home Trends 2025<\/a>. Climate and catastrophe dynamics that shape premiums are documented by <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA\u2019s billion-dollar disasters<\/a> and reinsurance market updates (e.g., <a href=\"https:\/\/www.wtwco.com\">WTW 1\/1\/2025 renewals<\/a>), alongside availability\/affordability discussions in <a href=\"https:\/\/home.treasury.gov\/system\/files\/261\/FSOC2024AnnualReport.pdf\">FSOC\u2019s 2024 Annual Report<\/a>.<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). In coastal states, separate hurricane or named-storm deductibles may apply.<\/p>\n\n\n\n<p>These are sample rates and should be used for comparative purposes only. Your quotes will differ, and premiums have generally increased since 2022 (see <a href=\"https:\/\/data.bls.gov\/timeseries\/CUSR0000SEHF\">BLS CPI<\/a>).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Latest benchmarks show the U.S. average homeowners premium sits in the low-to-mid $2,000s for a typical HO-3 policy in 2025, based on standardized quote datasets from Bankrate and Insurance.com, while the most recent audited averages from the NAIC (2022) are lower because they reflect earlier market conditions and a broad mix of coverages. [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362380,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1268],"tags":[21174,21910],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Does Homeowners Insurance Cost? | Reviews.com<\/title>\n<meta name=\"description\" content=\"Homeowners insurance premiums vary greatly depending on the home&#039;s value, where you live, the risk factors you face, your preferred deductible, and more\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/homeowners-insurance-cost\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much Does Homeowners Insurance Cost? 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