Editor Picks
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What to Know About Home Insurance If You Rent Out Your House
December 2, 2024
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What Is an Escrow Shortage?
January 4, 2024
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Can You Cancel or Withdraw a Home Insurance Claim?
January 31, 2026
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FEMA Flood Zone X: Insurance Requirements, Shaded vs. Unshaded Zones Explained
January 20, 2026
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How Long Can a Mortgage Company Hold an Insurance Check?
October 17, 2025
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What Is the 80/20 Rule in Home Insurance?
December 4, 2025
Learn the Basics
How Much Homeowners Insurance Do You Need?
You should consider the cost to rebuild your home, the value of your assets, and your risk tolerance to decide the amount of homeowners insurance you need.
January 31, 2026
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How to Buy Home Insurance
When purchasing home insurance, consider how much coverage you need, what you can afford, and if there are any specific risks in your area.
January 31, 2026
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How to File a Home Insurance Claim in 7 Steps
As you prepare to file an insurance claim, it’s essential to move quickly, document the damage, and contact your insurer.
September 2, 2025
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Compare Home Insurance Quotes Side by Side
Compare real-time home insurance quotes from top companies to find the best rate for coverage that’ll protect your home and personal belongings.
January 31, 2026
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Why Is My Homeowners Insurance So Expensive?
Inflation and natural disasters have increased the price of home insurance premiums across the country, but you can still find ways to save.
January 31, 2026
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Average Cost of Homeowners Insurance
Homeowners in the U.S. pay an average of $2,544 per year for home insurance, but rates vary significantly by state, city, insurer, and coverage amount.
January 31, 2026
Insights
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New Insurify Housing Market Report Reveals Top Markets to Watch
Cities in the Sun Belt continue to provide a promising future for new homebuyers, with cities in Florida, North Carolina, and South Carolina dominating most of the top 20 cities with home markets to watch.
September 5, 2023
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10 Best Cities for Homebuyers With a Household Income of $75,000
Revitalization projects and inexpensive housing make these cities attractive to homebuyers on a budget.
February 1, 2024
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To Rent or to Buy? The Top 10 Cities Where Each Option Provides the Best Value
Millions of Americans decide between renting or owning a home each year. The choice can be hard, though the financial math in these 20 cities makes it simpler.
June 30, 2022
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Soaring Home Insurance Costs Could Push Homeowners Out of These 10 States
Climate catastrophes are driving insurers and homebuyers out of high-risk areas like Florida, but the American dream of homeownership lives on in less disaster-prone states.
January 18, 2024
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These are the Most Affordable Cities to Buy a House in 2022
These 20 cities have the most affordable housing markets in 2022.
February 18, 2022
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These Are the Best Cities for New Homebuyers in 2022
Insurify ranked the best city for new homebuyers in every state for 2022.
February 25, 2022
Home Insurance by Perils
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Does Homeowners Insurance Cover Fire Damage?
January 31, 2026
Flood Insurance: What It Covers and Costs
January 27, 2026
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Earthquake Insurance: A Complete Guide for Homeowners
May 5, 2025
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What Is Sinkhole Insurance and Who Needs It?
July 15, 2024
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Hurricane Insurance: A Complete Guide for Homeowners
January 31, 2026
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How to Protect Your Home From Tornado Damage
January 31, 2026
Home Insurance Reviews
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Stillwater Home Insurance Review: Ratings and Quotes
March 3, 2025
Compare Policies
Latest Articles
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When to Hire a Home Insurance Claim Lawyer
|February 1, 2026
Should I Buy a House Now or Wait?
|January 31, 2026
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What Is a Deductible in Homeowners Insurance?
|January 31, 2026
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How Much Is Homeowners Insurance on a $300,000 House?
|January 31, 2026
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Is Homeowners Insurance Required?
|January 31, 2026
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Homeowners Insurance Facts and Statistics
|January 31, 2026
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.