How Much Does Homeowners Insurance Cost?
Updated for 2026 — national average costs with state-by-state breakdowns
What Does Homeowners Insurance Include?
Homeowners insurance protects your home and belongings from damage, theft, and liability. Costs depend on your home's value, location, coverage limits, and claim history.
The national average cost for homeowners insurance is $180 per month. Most homeowners pay between $100 and $350, though costs can vary significantly based on your location, the scope of work, and other factors outlined below.
What Affects the Price?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
Key Cost Factors
- ✓Home value and rebuild cost
- ✓Location and natural disaster risk
- ✓Deductible amount
- ✓Coverage limits
- ✓Claim history
- ✓Home age and condition
💡 Tips to Save Money
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
📈 Homeowners Insurance Cost Trends (2022–2026)
Prices have increased +17.6% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $153 | — |
| 2023 | $159 | +3.9% |
| 2024 | $169 | +6.3% |
| 2025 | $174 | +3.0% |
| 2026 | $180 | +3.4% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
Homeowners Insurance Cost by State
Costs vary significantly by state due to labor rates, cost of living, and local market conditions. Click any state for a detailed breakdown.
| State | Low | Average | High |
|---|---|---|---|
| Alabama | $82 | $148 | $287 |
| Alaska | $128 | $230 | $448 |
| Arizona | $95 | $171 | $333 |
| Arkansas | $80 | $144 | $280 |
| California | $135 | $243 | $473 |
| Colorado | $108 | $194 | $378 |
| Connecticut | $122 | $220 | $427 |
| Delaware | $105 | $189 | $368 |
| District of Columbia | $125 | $225 | $438 |
| Florida | $98 | $176 | $343 |
| Georgia | $90 | $162 | $315 |
| Hawaii | $142 | $256 | $497 |
| Idaho | $92 | $166 | $322 |
| Illinois | $105 | $189 | $368 |
| Indiana | $88 | $158 | $308 |
| Iowa | $86 | $155 | $301 |
| Kansas | $85 | $153 | $298 |
| Kentucky | $84 | $151 | $294 |
| Louisiana | $87 | $157 | $305 |
| Maine | $102 | $184 | $357 |
| Maryland | $115 | $207 | $402 |
| Massachusetts | $130 | $234 | $455 |
| Michigan | $92 | $166 | $322 |
| Minnesota | $102 | $184 | $357 |
| Mississippi | $78 | $140 | $273 |
| Missouri | $87 | $157 | $305 |
| Montana | $95 | $171 | $333 |
| Nebraska | $88 | $158 | $308 |
| Nevada | $102 | $184 | $357 |
| New Hampshire | $112 | $202 | $392 |
| New Jersey | $125 | $225 | $438 |
| New Mexico | $90 | $162 | $315 |
| New York | $132 | $238 | $462 |
| North Carolina | $90 | $162 | $315 |
| North Dakota | $90 | $162 | $315 |
| Ohio | $90 | $162 | $315 |
| Oklahoma | $83 | $149 | $291 |
| Oregon | $110 | $198 | $385 |
| Pennsylvania | $102 | $184 | $357 |
| Rhode Island | $115 | $207 | $402 |
| South Carolina | $87 | $157 | $305 |
| South Dakota | $85 | $153 | $298 |
| Tennessee | $86 | $155 | $301 |
| Texas | $93 | $167 | $326 |
| Utah | $95 | $171 | $333 |
| Vermont | $108 | $194 | $378 |
| Virginia | $105 | $189 | $368 |
| Washington | $115 | $207 | $402 |
| West Virginia | $80 | $144 | $280 |
| Wisconsin | $94 | $169 | $329 |
| Wyoming | $92 | $166 | $322 |
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.
🏙️ Homeowners Insurance Cost by City
Compare homeowners insurance costs in the most popular US cities:
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Related Cost Guides
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Real costs reported by homeowners for Homeowners Insurance
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