Insurance
How Much Is Homeowners Insurance?
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
The average home insurance bill was $1,569 a year, and prices have gone up since. Where you live matters most. Your roof and the cost to rebuild your home come next.
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Homeowners Insurance snapshot
- National average
- $1,569 a year in 2022
- Trend since
- Up 18% to 43% from 2018 to 2024, even after inflation
- Biggest price movers
- Where you live, your roof, the cost to rebuild
- Usually not covered
- Flood and earthquake damage
Source: NAIC, the group of state insurance regulators.
Not a quote, offer or approval. Your price comes from the provider. Last updated October 2026.
What affects your homeowners insurance price
Price range
The national average was $1,569 a year in 2022. That's the latest full-year number from the NAIC, the group of state insurance regulators. Prices have gone up since then. Between 2018 and 2024, average prices rose 18% to 43% even after inflation, depending on the region.
Not a quote or an offer. Your price comes from the insurance company.
What moves the number
- Where you live. Hail, hurricanes, and wildfires cost insurers the most. Wind and hail cause the biggest share of claim costs. Homes in storm areas pay more, and some insurers won't cover them at all.
- What it costs to rebuild. Your price is based on rebuilding your home, not on what you paid for it. A $300,000 house might cost $400,000 to rebuild.
- Your roof. An old roof can raise your price or cut how much a claim pays. Some insurers won't take a roof over 15 to 20 years old.
- Past claims. Claims on the house count, even ones from the owner before you.
- Your deductible. This is the part of a claim you pay yourself. A higher deductible lowers your price, but you'll pay more when something goes wrong.
- Your credit. In most states, insurers can use a credit-based score to set your price. California, Maryland, and Massachusetts don't allow it.
What does homeowners insurance cover?
A standard homeowners policy has six main parts. Each one has its own limit.
Your house (dwelling). Pays to repair or rebuild your home after a covered loss, like a fire or windstorm.
Other structures. Covers things not attached to your house, like a detached garage, shed, or fence. It's usually about 10% of your dwelling coverage.
Your things (personal property). Covers furniture, clothes, and electronics if they're stolen or damaged by a covered event. It's usually 50% to 70% of your dwelling coverage.
Living costs (loss of use). If you can't live at home after a covered loss, this helps pay for a hotel, meals, and other extra costs.
Liability. Pays if someone gets hurt at your home or you damage their property and they sue you. It also pays for your legal defense. Many policies start at $100,000.
Medical payments. Helps pay small medical bills if a guest gets hurt at your home, no matter who's at fault.
Want help picking each amount? Read how much homeowners insurance do I need.
What homeowners insurance doesn't cover
- Floods. You need a separate flood insurance policy.
- Earthquakes. You usually need a separate policy or an add-on.
- Slow leaks, mold, and wear. Damage that builds up over time is usually treated as maintenance.
- Sewer and sump pump backups. Often left out unless you add water backup coverage.
- Pricey items over set limits. Jewelry, art, and collectibles often have low limits unless you add more.
How to get homeowners insurance
- Know your rebuild cost. Not your home's market price.
- Pick a deductible you could pay if something went wrong.
- Choose your liability limit. Many people pick $300,000 or more. For more protection, look at umbrella insurance.
- Compare quotes with the same coverage from several providers.
- Ask about discounts, like bundling with car insurance, a new roof, or an alarm.
What to ask before you choose
Compare policies with the same coverage. Otherwise a cheap price might just mean less protection.
- "Will you pay to replace my things, or pay what they're worth used?" Replacement cost buys you a new TV. Actual cash value pays what your 6-year-old TV is worth, which isn't much.
- "Is there a separate deductible for wind, hail, or hurricanes?" Many policies in storm states have one. It's often 1% to 5% of your home's coverage. On a $300,000 home, 2% means you pay the first $6,000.
- "What's not covered?" Floods and earthquakes almost never are. Neither are slow leaks or mold in most policies.
- "How much liability coverage do I have?"
- "What discounts do I get?"
The catch most people learn too late: home insurance doesn't cover floods. Flood policies through the federal program (NFIP) usually take 30 days to start. So don't wait until a storm is coming.
Explore by state
Prices and rules change a lot by state: Texas homeowners insurance, Florida homeowners insurance, California homeowners insurance, Ohio homeowners insurance, Georgia homeowners insurance.
Keep reading
Compare renters insurance, condo insurance, landlord insurance, and flood insurance. Old roof raising your price? Get roofing quotes. Protecting your family's hold on the home? See life insurance, and read term vs. permanent life insurance.
More home insurance guides: Condo insurance · Renters insurance · Landlord insurance · Mobile home insurance · Flood insurance · Umbrella insurance · How much homeowners insurance you need · Renters insurance basics · How to get renters insurance · All insurance
Homeowners insurance in more states: Michigan · Arizona · North Carolina · Pennsylvania · Illinois · Massachusetts · New Jersey · Indiana · Colorado · Alabama · Louisiana · South Carolina · Virginia · Maryland · Oklahoma · Wisconsin · Utah · Maine · Minnesota · Arkansas · Hawaii · Missouri · Tennessee
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Landlord Insurance
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Flood Insurance
Explore flood coverage, which standard home policies usually exclude.