How Much Does Home Insurance Cost?
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Average Home Insurance Costs (2025)
📊 Quick Stats
- National average: $1,900/year ($158/month)
- Per $100K of coverage: ~$35/month
- Cheapest state: Vermont (~$80/month)
- Most expensive: Oklahoma (~$350/month)
- Average increase from 2024: +6.2%
Cost by Home Value
| Dwelling Coverage | Monthly | Annual |
|---|---|---|
| $150,000 | $95 | $1,140 |
| $200,000 | $120 | $1,440 |
| $250,000 | $140 | $1,680 |
| $300,000 | $158 | $1,900 |
| $400,000 | $195 | $2,340 |
| $500,000 | $235 | $2,820 |
| $750,000 | $320 | $3,840 |
| $1,000,000 | $420 | $5,040 |
Cost by State
Home insurance costs vary dramatically by state, primarily due to weather-related risks like hurricanes, tornadoes, and hail.
Cheapest States for Home Insurance
| State | Avg. Monthly | Avg. Annual |
|---|---|---|
| Vermont | $78 | $936 |
| Utah | $82 | $984 |
| Oregon | $85 | $1,020 |
| Delaware | $88 | $1,056 |
| Idaho | $90 | $1,080 |
Most Expensive States
| State | Avg. Monthly | Avg. Annual |
|---|---|---|
| Oklahoma | $350 | $4,200 |
| Kansas | $320 | $3,840 |
| Nebraska | $310 | $3,720 |
| Texas | $295 | $3,540 |
| Florida | $280 | $3,360 |
What Affects Your Home Insurance Cost?
🏠 Rebuild Cost
The cost to rebuild your home entirely determines your dwelling coverage amount.
📍 Location
Disaster-prone areas (Florida, Texas, Oklahoma) pay significantly more.
🏗️ Home Age
Older homes (30+ years) typically cost 20-30% more to insure.
🪨 Roof Condition
New roof can save 10-25%. Old roof (15+ years) can increase rates significantly.
🔒 Security Features
Alarms, smart locks, and cameras can save 5-15% on premiums.
💳 Credit Score
In most states, better credit = lower home insurance rates.
Home Insurance Cost FAQs
How much is homeowners insurance per month?
The average homeowners insurance cost is $158 per month ($1,900/year) for a $300,000 home with $300,000 in coverage. Costs vary significantly by state, home value, age, and coverage level.
What state has the cheapest home insurance?
Vermont, Utah, and Oregon have the cheapest home insurance rates, averaging $80-100/month. Florida, Oklahoma, and Louisiana have the most expensive rates due to hurricane and tornado risks.
How can I lower my home insurance cost?
To save: 1) Shop and compare annually, 2) Bundle with auto insurance (15-25% off), 3) Increase deductible, 4) Add security systems, 5) Replace old roof, 6) Improve credit score.
Does home insurance cover flood damage?
No, standard home insurance does not cover flood damage. You need a separate flood insurance policy, available through the NFIP or private insurers. Average cost is $700-1,000/year.
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