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Learn the Basics
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How Much Homeowners Insurance Do You Need?
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How to Buy Homeowners Insurance in 5 Easy Steps
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How to File a Home Insurance Claim
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Home Insurance Quotes Comparison
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Why Is My Homeowners Insurance Cost So High?
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Average Cost of Home Insurance
Insights
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Top Home Markets to Watch in 2024
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Best Cities for Homebuyers With a $75,000 Income 2024
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To Rent or to Buy? The Top 10 Cities Where Each Option Provides the Best Value
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Soaring Home Insurance Pushing Homeowners Out of These States
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These are the Most Affordable Cities to Buy a House in 2022
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These Are the Best Cities for New Homebuyers in 2022
Home Insurance by Perils
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Fire Insurance for Homeowners: Why You’ll Want to Take this Extra Step
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Flood Insurance: The Ultimate Guide for Homeowners
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How To Get Earthquake Insurance and Protect Your Family
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Adding Sinkhole Insurance to Your Homeowners Policy
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Hurricane Insurance: What You Need to Know
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Tornado Insurance: When Will You Need this Type of Coverage?
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When to Hire a Home Insurance Claim Lawyer (2025)
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Latest Home Insurance News
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Earthquake Insurance: A Complete Guide for Homeowners (2025)
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Best Dog-Friendly Home Insurance Companies (2025)
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What Manufactured and Mobile Home Insurance Covers (2025)
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.