Homeowners Insurance Cost
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How Much Does Homeowners Insurance Cost?

The average cost of homeowners insurance is about $1,228 with average homeowners insurance rates ranging from $337 to $3,575 in the US for 2020 according to TheZebra.

Homeowners Insurance Rates by Zip Code

Homeowners Insurance rates differ based on your zip code. Find the cheapest and most expensive homeowners insurance rates by zip code below.

Cheapest Homeowners Insurance Rates by Zip Code

Willow Street Pennsylvania has the cheapest homeowners insurance rates by Zip Code.

Zip Code Insurance Rates
17584 $578
84010 $560
19736 $558
94040 $544
98279 $539
97003 $532
5404 $525
83729 $498
7920 $485
96814 $332

Most Expensive Homeowners Insurance Rates by Zip Code

Conch Key Florida has the most expensive homeowners insurance rates by Zip Code.

Zip Code Insurance Rates
67868 $2,546
72475 $2,571
2554 $2,970
73121 $3,243
29577 $3,858
77550 $7,105
36561 $7,850
39595 $7,922
70091 $11,151
33050 $11,702

Homeowners Insurance on $300,000 Home

Homeowners Insurance on 300K Home Cost

Homeowners insurance on a $300,000 home will cost you an average of $1,737 per year with average home insurance rates ranging from $1,565 to 1,912 in 2020 according to BankRate.

Homeowners Insurance on $150,000 Home

Homeowners Insurance on 150000 Home Cost

Homeowners insurance on a $150,000 home will cost you an average of $954 per year with average home insurance rates ranging from $876 to $1,016 in 2020 according to PolicyGenius.

Homeowners Insurance by State Cost

Homeowners Insurance by State Cost

Alabama AL $2,238
Alaska AK $1,099
Arizona AZ $1,267
Arkansas AR $2,395
California CA $1,042
Colorado CO $2,421
Connecticut CT $1,472
Washington DC DC $1,041
Delaware DE $891
Florida FL $2,124
Georgia GA $1,622
Hawaii HI $451
Idaho ID $991
Illinois IL $991
Indiana IN $1,401
Iowa IA $1,591
Kansas KS $3,494
Kentucky KY $2,061
Louisiana LA $2,201
Maine ME $972
Maryland MD $1,222
Massachusetts MA $1,211
Michigan MI $1,184
Minnesota MN $1,785
Mississippi MS $2,541
Missouri MO $2,381
Montana MT $2,051
Nebraska NE $3,538
Nevada NV $981
New Hampshire NH $881
New Jersey NJ $942
New Mexico NM $1,672
New York NY $1,273
North Carolina NC $1,783
North Dakota ND $2,117
Ohio OH $1,254
Oklahoma OK $4,044
Oregon OR $851
Pennsylvania PA $862
Rhode Island RI $1,392
South Carolina SC $2,201
South Dakota SD $2,277
Tennessee TN $2,044
Texas TX $3,098
Utah UT $795
Vermont VT $724
Virginia VA $1,112
Washington WA $1,144
West Virginia WV $1,377
Wisconsin WI $1,073
Wyoming WY $1,164

Average Cost of Home Insurance

The average cost of home insurance is about $1,445 per in the US for 2020 according to ValuePenguin.

$200,000 $1,228
$200,000 $1,244
$300,000 $1,737
$400,000 $2,252
$500,000 $2,790
$600,000 $3,295

Compare Home Insurance Quotes

You can compare the best and worst sites to get the most affordable home insurance quotes online or you can compare home insurance quotes with Klimes Insurance right now. Click here to contact Klimes Insurance to help you compare the cheapest home insurance quotes.

Cheapest Home Insurance

The cheapest home insurance companies include:

  • Liberty Mutual is the cheapest homeowners insurance company for Inflation Protection
  • Allstate – is the cheapest homeowners insurance company for New Homeowners
  • American Family – is the cheapest homeowners insurance company with the most ways to Save
  • Nationwide – is the cheapest homeowners insurance company for Replacement Coverage
  • USAA – is the cheapest homeowners insurance company for Military Members and Families
  • Amica – is the cheapest homeowners insurance company with great Customer Ratings
  • State Farm – is the cheapest homeowners insurance company for Personalized Quotes

How To Find the Cheapest Home Insurance

There are many ways to find cheap home insurance including:

  1. Compare home insurance quotes. Comparing homeowners insurance quotes online is easy. Simply visit one of the insurance comparison sites like Insurance.com or Policy Genius and enter your information to get a cheap homeowners insurance quote.
  2. Choose a company with lots of discounts. Make sure you choose a homeowners insurance company that offers many discounts that apply to your home.
  3. Improve your credit score. Homeowners insurance companies give better rates to people with higher credit scores.
  4. Improve security. Homeowners insurance companies offer discounts for protecting your home with a home security system.
  5. Bundle insurance coverage. Make sure the homeowners insurance company you choose also offers vehicle coverage so you can bundle your policies and save up to 20% on your homeowners insurance coverage.

Homeowners Insurance Quotes

From offering liability protection to you and your family to helping you get reimbursed for personal property damage, homeowners insurance provides many types of coverage. Learn more about Homeowners Insurance Coverage or get a free homeowners insurance quote from Klimes Insurance today.

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