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Homeowners insurance guide
Homeowners insurance by state
What does homeowners insurance cover?
Homeowners insurance perils
Homeowners insurance Learn Center
- How to buy homeowners insurance
- Bundling home and auto insurance
- Mortgage lender requirements for homeowners insurance
- Hazard insurance vs. homeowners insurance
- How to change homeowners insurance in escrow
- Hazard insurance vs. homeowners insurance
- How to change homeowners insurance in escrow
- How much does homeowners insurance cost?
- How much homeowners insurance do you need?
- Why did my homeowners insurance rates go up?
- Homeowners insurance calculator
Homeowners insurance by state
The cost of homeowners insurance varies in every state, and your location will also affect what type of coverage you need. Learn more about homeowners insurance in your state.
Published August 21, 2020
The average annual cost of homeowners insurance in the U.S. is $1,633 per year, according to Policygenius quote data, but your coverage needs, requirements, and rates will vary depending on where your house is located.
Along with the age of your roof, your claims history, and your policy deductible, your home’s location is one of the biggest indicators of how much you’ll pay for home insurance.
Check out our Policygenius guides to homeowners insurance in every state
About the author
Pat Howard
Insurance Expert
Pat Howard is an Insurance Editor at Policygenius in New York City, specializing in homeowners insurance. He has been featured on Property Casualty 360, MSN, and more. Pat has a B.A. in journalism from Michigan State University.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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