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

Published August 21, 2020

infoEditorial Disclosure

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

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

Homeowners Insurance Expert

Pat Howard

Homeowners Insurance Expert

Pat Howard is a homeowners insurance editor at Policygenius in New York City. He has written extensively about home insurance cost, coverage, and companies since 2018, and his insights have been featured on Investopedia, Lifehacker, MSN, Zola, HerMoney, and Property Casualty 360.