What it costs
What does home insurance actually cost?
It depends on where the house is more than almost anything else. In Florida alone, county averages run from about $2,100 to nearly $7,900 a year.
It depends on where the house is more than almost anything else. In Florida alone, county averages run from about $2,100 to nearly $7,900 a year.
The averages
Average yearly homeowners premium, most common policy form.
Florida had the highest state average in 2022
NAIC, 2022 data. Averages are what people actually paid on policies in force, including older and smaller homes. The NAIC figures are two to four years old by the time they are published.
Florida Office of Insurance Regulation, as of March 31, 2026.
Where sample prices are published
Illustrations, not quotes.
Nobody publishes a price you can look your own home up on. Rates are filed with each state’s regulator as rates and rules, not prices. Some states publish illustrations:
- FloridaThe Office of Insurance Regulation’s CHOICES tool, with sample premiums for three model homes, by county and company.
- TexasHelpInsure.com and the Department of Insurance’s county premium tools.
- CaliforniaThe Department of Insurance homeowners premium survey.
Rebuild cost, roof, construction, location and the coverage you choose. Those tools are illustrations, and they say so.
That is the whole guide.
You now know what each part of a policy pays for, whether it would rebuild your house, what flood and your hurricane deductible mean for you, why prices moved, and the checks that matter before you switch. The one thing this guide cannot give you is your number.
The next step is a real quote for the coverage you want. Answer a few questions and we will pass your request to a licensed insurance agent, who can give you a quote. There is no obligation. One licensed support agent may quote some companies, not every one.