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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.

Pat Howard 1600

Pat Howard

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.

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Check out our Policygenius guides to homeowners insurance in every state


We'll update the links below as we continue to work our way through all 50 U.S. states.

About the author

Insurance Expert

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.